If you don't have money to pay off your debts, you have some options. One is to contact your creditors and explain your situation. They may be willing to work with you to create a payment plan that fits your budget. Another option is to seek help from a credit counseling agency. Credit counselors can work with you to create a budget and help you develop a plan to pay off your debts over time. But be aware that you will have to repay all of your debts.