You would be having too much of debts now. There are no words to explain to pain you went through in the last over 5 years. Going forward, you will start paying off your debts and will get some relief in the coming months. The initial relief would come to you through refinance to lower APR or liquidating your assets at a good price. You would have made excellent progress by end of 2015. Going forward, I am very sure that your finance burden will keep moving down and you will start building savings on your bank account. Things will not get worse further from this point and now you can only go up on your life.