I would strongly advise you contact one of the free to client services such as Payplan or Step Change who are non-judgmental, free and confidential - and who may be able to offer a structured plan to help you after discussing your circumstances in detail. National Debtline is the government backed association who can offer free advice. They all have web presences and free telephone numbers. Similarly you could always contact your local Citizens Advice Bureau.
You can find their contact details by clicking on the red stuff!!
You can also get help and support here which you can also do but in the long term you will do better to get information from the companies. We would then be here for further support and to exchange views with others.
Want to talk to someone confidentially, without obligation and free of charge?