My crazy story that put me in the hole!!

Well it all started when I was 18 years old, I got my first card with a $500 credit line. I was in college and well I ended up getting about 7 cards, big mistake. I am shy and have a stutter, well this led to buying professional sporting tickets to NFL, NBA games racking up debt to make friends in college. I basically bought my friends by inviting them to these games. This is one of the few things that made me happy, I love sports and didn't want to feel miserable being alone all the time. Anyways about that I ended up racking up about $12,000 in credit card debt by my Junior year of college through this and trying stupid investments, I had been on time paying on all of them through that time (3 years). The cards were increasing the credit lines, making it that much easier for me to continue spending. Well I was barely making it by paying on these cards, I did get a couple pay day loans, but luckly never got to trapped in those. Well in early 2006 I was just scared and would get very upset at myself at times, I tried a credit counsler and I started paying a monthly payment to them and they disbursed the funds, when I probably could of had other better options. (not sure). My parents, or really anyone knew about any of this.

Well signing up for the credit counseling apparently killed my credit score, all my cards were closed other than the 2 that I did not include on the counseling. I was paying fine for about a year through the credit counselor then just couldn't do it anymore, I was barely making it. I basically stopped paying, I was depressed, felt down, felt helpless. Now I have a plan setup with bank of america my biggest account 8,000 they reduced my apr to 0% paying 195.00 a month over 5 years, but several of my other accounts I have been unable to pay even though the balances are only 500-1200, and continue to rack up fees and crap. I need to get everything straight, I am young and recently married and have a child on the way. I did get my college degree in accounting (who would think a accountant would do something dumb like this). Well my job really sucks at the moment (paywise) making it hard to work on this, and my stuttering does not help, I have the credentials as i get several interviews, but can't get past the interview. I am eligible to sit for the CPA exam, and my dad is going to help me pay for that so hopefully that helps. I don't know what to do? I also have about 11,000 in student loans to pay, which are currently in forbearance for low income until next year. I recieved phone calls relentlessly at home, and on my cell phone on the cards I haven't paid in over 3-5 months. I am glad I found this site it looks like a great place to start me back on track. If anyone has any suggestions let me know.

Thanks