I'm sure if you had the money to pay everybody you owe you probably would have done so already. I'm sure that your tired of all the harassing phone calls, too. But, If you just don't know who to pay or don't want to be making payments forever then maybe you should consider re-establishing new credit. Having more positive accounts then negative ones is a win win.
What should you do
Tip:
Contact CreditJump.net and get started.