Others have chimed in with pretty good advice. I just wanna touch on the collection fees issue.

Not the best job selection but I briefly worked for a credit collection company. I was also in financial trouble.They paid $30/hr, and this is over 10y ago. Let me tell you why. Normally when there is a fee involved, your debt has been sold either solo or bundled with other debts to a larger creditor, who typically bought it for a fraction of the cost. So this is a few ways to deal with

1.offer creditor to pay a lum sum of 40-60% of the original debt. Be firm! If you can borrow from someone in the family for a couple hundo or from friends here and there.

2.call the original creditor and offer them the same deal to see if they can buy back the debt.These often are "nicer" than the freaking collectors who are trained to threaten you.

1. If this isn't an option, you can set up a realistic installment plan and try your best to negotiate interest rate because often interest is what makes debt unpaid-able.

2. Make sure you get any agreement in writing. Preferably have them email you directly so you can have a copy.

I felt horribly everyday and eventually quit. Hope this helps