Hello, I made a lot of silly financial commitments about four years ago as I was working and in college, just turned 18 and assumed I'd be able to just walk into a job when I went to uni the following year. That didn't happen, and my student loan just hasn't been able to cover living costs and the debts I have. I've been trying to make payments as and when, but I realised that the charges I was getting on my accounts were more a month than I'd be able to actually pay them so, instead of being an adult about the situation, I just ignored it. I am now finishing uni in a few weeks time and have found a job and would really like to be able to start working towards being debt free but I've no idea what to do. My debts currently are: £560 to Lowell (o2 phone bill) I set up a payment plan with them about six months ago for £15 a month, even though it was more than I could really afford but was told it was the minimum they could accept or they'd escalate the situation(the idea of bailiffs at my student halls terrified me) but after some reading around I realise that I've probably been lied to. £1600 Simply Be £2000 Littlewoods I've no idea where to start with approaching companies and stuff, so any help would be much appreciated.