New here, single, special needs child, lengthy period of unemployment in 2015 and the end result is 25 charge-offs, 6 collections (reported), and I’m being sued by Amex. I don’t even know where to begin to fix this. It was all credit cards and unsecured loans. I do have a house with a current mortgage and a reliable (ish) paid-off car. I also have a current student loan, two open store cards with no balances , and a short-term (12 mos) loan from some minor car repairs. I’m working full-time and can pay the bills but nothing extra and no savings. What do I do??