Pam -
Try to pay at least the minimum payment. I agree - make a list labeled "IN" an "OUT" like
this one and then figure out how much you are in the red at the end of every month.
I'm not sure why you can't seem to hold jobs other than waitressing. Is it possible to take another side job to generate some extra income? Even if its the dreaded telemarketing?
If you decide to seek debt counseling help - beware of scams.
Here is an article that gives you tips on what questions to ask and what services to avoid.