You need a financial adviser….they will help you get this under control and help you to start saving for your future. $8500 is nothing in debt and if you get this going now your will be laughing all the way to the bank in about 7 years. Pay off the accounts that want to charge you reconnect fees and up front deposit before it gets to that. You also need a cash diet. Work on a 2-3 day time period for that and freeze your credit card in ice.

You need to consolidate your debts:

Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.

It is a difficult situation you are going through. But if you try to handle everything by yourself it will be difficult and may end up with nothing. I thing you can consult with a debt consolidator or with some financial manager and tell him to handle the matter. Or you can go for a loan and pay off the debts at once.
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First, you should purchase a 3 in 1 credit report they are easier to read than the free reports, also you’ll learn what your credit score is. Once you have your report then you can build a plan of action. You can do this yourself and save the fees that you’d pay to a credit consolidation company. On my answers profile there is a link to a site for a credit repair manual. It is loaded with 375 pages of useful information and advise.

Best of luck

make a list of who you owe, with the one you owe the most ( as best you can figure) at the top, the least at bottom. ignore everyone but the one at the bottom.pay that one off as quick as you can, then work your way up the list. to try to pay multiple debts at the same time is very difficult. in the meantime, do not create more debt if possible.

I want to say good for you for living up to your responsibilities. You need to contact each creditor and make arrangement to freeze the interest. Some are nicer than others. Next, see which is the least amount and focus on paying that bill off first. Pay the others a little at a time while paying the first bill the most money. Then when that bill is paid in full move on to the next lowest bill and focus on paying that off, so on and so on down the line. good luck

I donot know I need help to with my credit also.