My debts and I am several months behind on my payments

You will find some positive help after taking the free counseling from one of the consultants in your area. Your debt accounts will be reviewed and some payment plans will be framed for you. You can finalize the plan that works the best as per your financial situation. Continue to make the payments to your creditors through the plan and your credit will start taking a clear shape. The creditors will inform your accounts to the bureaus after they get paid off. This will help in increases your credit scores also. Take the free counseling first and know about the options you have. Everything still seems to be positive if you can take control now and find out easy debt solutions.