Bad dept put you behind

Very bad all my acounts was on date now behind also my court date is moved 2 months later place want to add a defualt and they increase the installment 2 time in 4months They also take out insurance and never stopthe ine you pay at the bank ask 5 minth lost money they say you wil have relief joint them now i need to make a plan to pay more to get rid of the acounts that is far behind very bad they just want money