Get Current With Debt

By this he means that you stop having past due bills. He suggests prioritizing bills. Get current with necessities first. Things like your utilities, transportation, and so on. You cannot have your electricity or water cut off, nor your car repossessed. So, concentrate on these things first.

Then the other bills like credit cards and student loans. He does not say this, but I think you ought to negotiate with your creditors on ways to make increased payments to get current. You do not have to make lump sum payments, just increased payments to get current.

Final word: this is different than paying off your debt. This is just about getting over the past-due stage. First big savings are those late fees!