What do you do when you credit rating is messed up. Your car has been repossessed. You have more payday loans than income and can't get out this mess. I make a decent salary. I live in the state of VA. Only property I own is with my sisters. I also owe the IRS and have a government sensitive job with clearance.

Is there any help for me?

yes there is hope. you need a plan

check out dave ramsey site in my sig. thats a good place to start.