pay off my debts

Well I owed CH music club some money and now that’s all paid off.
I just got my two credit cards under their respective limits.
My two biggest concerns are $250 for my car insurance and $990 in university fees.
Hard to pay off those lingering debts when you work for less than minimum wage.

I went to the bank today and indirectly discovered I have a credit rating of “E” which I wish was supposed to mean Excellent. Alas it is far from it.
I did find out that the two store credit cards I closed and was paying about five dollars every couple of months have written me off as bad debt. That’s about $2000 together that I can wait six months and not freak out about.
Still I’m being hunted down for another about $6000 by two other companies. How did I get into this mess?

As of this month my dad paid off my student line of credit and my car loan! Guess my debts will become my dads. Next I will have to adopt the goal of paying my dad back.

cause my dad paid off my entire credit card and we lowered the limit to $500, but that was enough to get rid of two creditors, one that was going to send my bill off to the collectors.
That leaves two store credit cards to figure out how to pay off even though I cancelled them long ago, still owe a lot.

I’ve been out of work for a year and a half with my dad paying my university tuition and car loan. I owe about $45,000 and don’t even know where to begin. I really want to pay it all off. I went to a debt counsler who actually laughed because things really are that bad. I could declare bankruptcy but I’d lose my vehicle and my two cosigners would be held liable, both for about $14,000 each!