I am approximately $5000.00 in debt. Some of it is pressing- past due light/power/gas bills.

Some of it is medical… pre insurance (the hospital is now suing me for 1400.00 as of today) I’ve tried paying small payments, but apparently that doesn’t work anymore.

Some of it is old things - old bank account, old cell phone company bill.

I make about 27,000 a year, but right now, I’ve dug myself so far in, I can’t keep ahead of everything. I have no assets (no car, house… anything “repossesible”) No bank will loan me anything- who would offer a credit card unless the interest was outrageous?

Am I beyond debt into bankrupcy? What on earth can I do? I’ve made financial mistakes in the past (overspending etc…) but how do you move beyond that when everyone is penalizing me to the point where my paycheck is 90% gone before I ever get it???

Please please help. I am lost.
FYI - I do not have credit cards. All debts are due to lateness/fees etc…, not accumulated by credit cards.
Ok, so i forgot about a loan- this puts me 9000 in debt… lets say I try and do it myself (no debt consolidators etc…) What kind of order would i put priorities on them???

Ana