in debt for 3and 1/2 years

Hi, I accrued a rather large (over $10,000 debt in credit cards around three and a half years ago, and at first I chose debt settlement immediately after realizing that it became a problem, but as a person who receives disability, I was told to go off of the settlement program because no one (meaning my creditors) could get blood (money) out of a turnip (meaning me, being on disability). So I ended debt settlement just like that a while back, and since then have left myself vulnerable, meaning vulnerable to daily phone calls harassment at my apartment (phone, that is) and my mom's home phone, and even my cell phone--to this very day! Also, I keep receiving threats, not only be phone, but by snail mail, which are scary. It makes me think I should have never stopped that debt settlement. It is now July 8, 2012, and don't know what to do at this point. I cannot even try to work; my mom and I keep getting harassed and at the very least, my mother should not be getting punished for something I have done; I don't have barely any money, only barely enough to eat and survive--no luxuries, whatsoever. I am having trouble paying my bills! I guess that one was obvious! Really, I feel stuck. Yet I agree, a bankruptcy would be the worst solution and I
would rather not go there. Yet I don't know where to turn. I have barely any money to pay, but would be willing to start with something if it's got to be like that, as it was before in the settlement. But even if I went back to something like debt settlement, how do I remember anything from back then? I don't have anything from back then. I don't even remember which companies I had debts with (there were so many). So I imagine this is going to be a big problem...But I am desperate. Please, can someone help me with this?:

Roxana::