Bills
Dealing with bills is always a pain. Credit cards take forever to pay off when only paying the minimum, but sometimes there isn't any money to pay more. Paying off credit cards can free up a lot of available cash.
When even making the minimum payments is tough, it may be surprising what a simple call to a credit card company explaining the situation may do. Some companies are more than willing to help out honest people who simply fall behind a little bit.
When debts and bills become very overwhelming, there are many services (some are even non-profits) that can help out.