Welcome to life. Sometimes you just have to deal with bad credit until you have the means to take care of it. Survival is your first priority, this means shelter, food, and environmental control (electric). Any other expense is secondary. Prioritize your expenses. Cable is not a priority. Internet is not a priority (unless it is your source of income). Means of attaining your income is a priority (ie gas, car insurance, car payment). Once you have everything sorted out, make a budget and try to put money towards your debt. $3500 is nothing to scoff at, but in the big scheme of things it is not the end of the world.