how can you pay your debt

I think that the best thing is to pay as much as you can until the bill is fully paid up. I don't think that there's another way to get rid of debt.

To pay off the debt, one has to have the means, right ? Ok, one way is to have the money by reducing expenses. Don't spend on things which are not essential and absolutely necessary. Take a look at things you have been spending on, and stop on those which are not essential. The savings you make will help in paying the debt. This is one way. Yes, there are other ways too. Best wishes to you !

Talk to your creditors. Arrange a reduced, regular payment. Even if you're only giving them $10 a month, it'll shut them up until you can sort things out.