Quote Originally Posted by BigBear View Post
Even if those payments were helping to pay off something else quicker?
Yes absolutely. I know that you are in the position where you don't have a lot of room for adjustment. Here is what I did. I made a list on paper of every thing that I owed money on, and how much. I picked one that I wanted to pay off, paid minimums on everything else, and made large payments on my target bill. I think you've already done this, but if you haven't, start tonight.

Writing down all of your expenses and creating a budget will really help refocus your funds into the right places. If you've already done this, then disregard of course. I know that doesn't really answer your recourse question, but that's about the extent of advice I can give you. The reason I bring it up is because by doing what I've suggested, I learned to be able to not only get by on 25% less income than I was making, but actually make more progress on paying down debts than I did when I was making much more money. I cringe at how much money I've thrown away over the years from NOT looking at my finances.