once u have paid ur debts u also need to build up a good credit history score...join ur nearest credit union...sacrifice 6 months like u would do working offshore and contribute 75 percent of ur earnings to the debt...the knock on effect of debt is horrendous if u dont deal with it.
The more you own the less you have in my opinion. It's amazing how little we really need in this life. If we buy the hype we overconsume. Credit cards are truly an evil trap. I've lived my whole life without them.Take some deep breaths, try to stop spending and slowly pay off what you owe and be free.