If you wish to be free from the tension of routine matters such as bill payments, clearing off liabilities etc, then enroll yourself with a debt management program.
Many people in the US are under a debt trap. The main reason is irresponsible handly of financial matters. They do not pay their bills on time. They have a lot of credit cards and spend too much. If you are under too much debt you should meet a debt counselor to consolidate your loans etc. Your debts also have a bearing on your credit score.
People usually tend to apply for larger loans in order to refund their current loans. But they end up in worse situations as they take loans carrying a higher rate of interest. Sometimes, the banks do not offer them loans, as they doubt their ability to pay back.
Before joining any of these programs it is very important for you to have a job. It is better to do some research to get into a right settlement program. You can check on the Internet, as there are a lot of websites providing these types of services. Contact a debt management program that is nearby and get yourself free from debts.