Debt Management Advice Tips

debt management advice information

Debt management advice required.?
I am in a little debt I owe one credit card company 1700.00 ad another 350.00 how do I establish this debt without having to pay in full...I really want this off my credit the 350.00 credit card account was in my name but not for me I have never seen this card..But the 1700.00 was through my bank do you think I can set up payment plans, so help needed.

Debt management advice/programs? (preferably free)?
I am under debt management and have been since the beginning of the year. I am 23 years old and have 10k of credit card overdraft personal loan debt. I took out the debt management plan with payment protection insurance PPI but the company lost one of my payments and by the time they found it the insurance policy had been cancelled. The policy would have covered me in case of being made redundant, which I have been. I am now homeless, living back at my parents for a while, and have no means to pay the debt management company the monthly payment of 87.50, inc. PPI. If the policy was still valid I would only have to pay 7.50 per month, but this isn't possible. Also, the monthly payment includes a fee for the service, but this just adds debt to debt. I shouldn't have gotten into debt in the first place, but I really don't know what to do. Can I easily switch plans, preferably to one where I don't have to pay a fee of any kind? Also one where I can make very low payments to start off with, as my only source of income at the moment is JSA.