Here goes, I am 28, i have a daughter who is an infant. My teenage years and my early 20's i was extremely financially irresponsible. Now my past wont allow me to have a future, i'm between a rock and a hard place and i have no idea what to do..

Owed:-

Cell Phone = around $500, i had to pay a $400 deposit to get the phone, bill has been unpaid for aproximatly 8 months. I also owe $ to 3 different cell providers from my reckless teenage and early 20's.

No credit cards. No car. No house. No phone. No $. My credit score is less than 600 but more than 450.

I had to get a loan to finish college. Well the loan was a loan u pay after graduation. I didn't graduate. I have 6 classes left. The thing is my wages are being garnished by the education board or whatever for that loan. I cant get money to finish school. This debt is about $10,000.

I have loose debts from my financially irresponsible years. I would have to guess-ti-mate around $4000.

I am trapped financially. My job is a commission based sales job. my checks fluctuate from 500 - 2500 bi-weekly. Now that my wages are being garnished i cant seem to live anymore.

My rent is 650. I have to pay to take care of my kid. Im distraught. I cant get a loan to buy a house or a car, i just feel financially encarcerated. I dont know what to do. I want better for my child and myself.

How do i relieve myself of such debt, and bad credit? How do i get to a place in my life where i can get a house or a car? What do i do, to rebuild my credit? Also what do i do to save for my daughters future? or education $ for her for later in life? Then im concerned about retirement funds and such.

I just want to live a life where i im financially responsible, and i can quit running or hiding from the financial mistakes i made in my early 20's and teen years.