SUSU- I am sorry for your misfortune. AS far as your smaller debts, here is what I did-I started out with my lowest balance one, and paid as much extra towards it to pay it off-it was tough, but we tightened our belsts. Then I took that payment and added it to the next lowest payment towards the next lowest one, and so on. It frees up some money for the other bills.
As far as your pdls, if you can post if they are internet or storefront, how much was borrowed, paid back, etc., it would help us point ypou in the right direction. If you want to- post it under the thread you have about your pdls.
Hang in there- we are here to help and guide you through the process..karen