My OH and I have quite a bit of debt amongst the two of us.
Our MIL made us up a budget though, and we've luckily had assistance from both his parents, and my mother where they've each paid off a debt, and we pay them back so that we aren't building crazy interest rates.
There are places here in Canada that help - and they'll call your creditors to have them lower your interest rates, or even get rid of them all together. That way, your minimum payments end up dropping drastically. Sometimes depending on the creditor, you can even call them yourselves and explain your situation. Tell them you are trying really hard to make your payments, but that the high interest rate isn't helping.
One thing we've had to do is majorly cut back on anything that we can. Obviously there are certain payments like Rent, Car Insurance, Car Payment, etc that are a fixed amount.. and you can't change those. But groceries - providing you really plan your meals each week, only buy what you need, and we plan our meals around things that are on sale for the week as well. You could cut your grocery bill down big time - therefore having a bit more money that you can throw on debt.
Also - if you spend lots of money on say movies, or take away.. you may have to majorly start limiting that. I know myself and my OH - even though we were really struggling with everything, we always ended up spending money on movie rentals, or ordering in pizza.. And that's really expensive, and should be more of a treat each month.
What I would do is try and get exact figures. Any credit cards you have - how much you owe. Any outstanding phone bills, internet, etc. Try and contact everyone you do business with and find out EXACTLY where you stand. My MIL told us that as we're working on our debts (even though our parents have helped us out a bit, we still have quite a few other debts...) always try and do a little more with the debt that has the highest interest.
We have a great budget - that literally factors in just my OH's salary.. so anytime he works overtime at work and gets extra, or 4 times a year here in Ontario we get "Gst refund" depending on the previous years income, or our income tax returns, etc.. Those are an added "extra"...
I think the best thing is to sit down - find out exactly how much you make each month. Find out exactly how much each of your expenses are. There are online budget calculators, as well as Microsoft Excel can be used where you input a formula and it adds and subtracts as you put money in, and take money out. Sometimes living on a budget sucks (we just started end of Feb) and neither of us have ever lived on a budget ... so it's a big change - but we're already really seeing a difference with everything.
I hope some of this gives you more insight.. Sorry about the length of it, but my debts are all very fresh to me, and the way we're working on it is too!
i have been cut off on my phone bill i got bank charges coming out of my ears but my credit card i only pay 3 quid a month lol then i have to pay my bank my overdraft its soo stressful 
