I earned a small amount of money and I want to use it in the best possible way to lift myself out of poverty and to be able to save money every month. Can you help me plan?

The amount is around 3800.
I have 1219 on a credit card that they sent to internal collections, has not been reported to a credit bureau. I figure if they fucked me by sending it to collections then I should fuck them by not paying it. But I’m the one in poverty so good decisions are not my strongsuit. I have a 519 dollar loan. I have a credit card, maxed, with a 100 dollars on it. I have another card, maxed, with 450 on it. I owe 291 dollars towards my cellular device.

That’s around 2570 in debt.

My questions are;

1)Do I pay the debt that’s in internal collections or do I say fuck it and not pay it like the other debts in collections. I’m not even addressing those because I’m not paying. 2) Do i pay all of the credit cards down to 20 or 30 Percent of the balance and keep them open, Or, Do I pay the cards off entirely and then set up an automatic renewal subscription so that the card is active? Paying all cards down to 30%of the balance.

I have no clue what to do.