Well, this is good news and bad news.
The good news is that with some of my money, I paid two months rent, paid back my grandma a lot of money I owed her, and am on the way to getting my drivers license back.
The bad news is that when I called my credit cards to pay them, most likely a settlement offer, they said, too late! Charged off 8 days ago. Should have called then.

To me that is good news. No, I don't want my credit in the toilet, but it already is now. So, since the bank that is helping me with a payment plan, is willing to let me reopen my card and use it, I can still build my credit up again, not starting completely from scratch.
Also, my plan is for $30 a month for 6 months. I have paid 2 months worth, plus an extra $160.25 on top of that. I am already back under my credit limit, so I am just going further and further towards that magic number of $0.00!!!

Talk about debt snowball. Those payments I was going to make on those cards are just automatically going to the ones I am not so bad on.
I have paid my utilities, which I have not paid all of in several months, maybe even a year. I was only paying the necessary ones to survive. I can't live without electricity. I can without cable. I can't live without gas, but I can without a phone. Suprisingly, my water was never shut off and my bill was over $400.00!
It's paid now, and I am saving money and directing money to the proper places now.