Dawn, this is just my personal opinion

but I don’t agree with not paying your other bills if you are able to. IF you have paid the main ones like, food, house payment, car, lights, gas, etc… and have enough to pay the minimum payments on the other bills, what is the reason for not paying the other creditors? IF you were short on money then that would make sense, in taking care of the 4 walls first. Or is it once you get caught up to start paying the other creditors?
What is a 2006 PPH?
By the way, I commend you for going out and getting a job at Red Lobster to pay off some debt. You are definitely on the right track, keep up the good work!!
I’ll be routing you on!!