It is hard to say what you really need, but lets begin with your credit card debt, is it current or delinquent?
If it is current call oyur creditors and negotiate to have them lower your interest rates down. If it is delinquent, find a dmp that will not place you further into debt by charging fees up front.
Are the cell phone bills current or delinquent? If current, cancel all accounts and stop accumulating more fees if delinquent same as above.
The money owed to the finance company has to be paid bask, only thing that you can ask is to re work your loan and extend the pay back period therefore incurring more interest on the loan.
Your car loan must be paid back or it will be repossessed, once this happens you can negotiate on the outstanding balance.
My advise is cut out all hte extra spending such as cell phones, this money will help in other places, create a tight budget, call up your creditors and negotiate lower interest rates, re work your loan structure and stay up on your car paynebts. Ask oyur friends and family for help, there is still hope!