I'm drowning in debt and can't stay on top of it. I have a fixed income but am trying to start a project to help me get back on my feet. However, it doesn't look like I'm going to make it in time.

Please don't get discouraged. The thing to do is get organized with your creditor and billers. Put them in categories, i.e; utilities, credit cards, department store, mortgage or rent, car note, etc...
Then figure out when each bill is due and how much is due. Total up all the bills to the best summation or estimation. Now figure out how much you bring in each month as far as income (Net income). Subtract the total bills from your total income. Hopefully there is money left over for day to day incidentals (gas, food, emergencies). Next, determine when do you receive your income. You may want to contact any creditor that has a due date that falls before you have your money and ask them to change your due date. For all credit cards and department store cards, pay only the minimum, except for the lowest debt card. Try if you can to send them more to pay it off quicker. Once they are paid off, put the money that you were paying on that card to your next lowest credit card along with their minimum payment. Keep doing this until everyone is paid. This is called debt stacking. Try not to use these cards and perhaps close one or two of them. Not all of them because you don't want to lower your FICO score from closing accounts. Stay encouraged and you will see the difference. I am practicing this as we speak. My Best Buy is now paid off and I'm now tackling my Capital One.

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