Debt solution

Anyone got good guides/advice on how to tackle delinquent debt? I work my ass off and make ends meat, but I don't have much to spare to pay off bills that are in collections (hospital, education, etc)

It's only around 12k, but it's still stressful.
I currently make around 45k a year and am still in school for my BH

 

You should check out Dave Ramsey. He has a radio show that broadcast 5 days a week discussing how to get out of debt. He also has books and a course called 'Financial Peace University'

You're going to have to have a lot of self control and throw any extra money at your debt. Check him out:

Dave Ramsey Homepage - daveramsey.com