Like you, I'm new to this lifestyle, following many years of financial stupidity.
Here are some things that helped me:
Chapter 7 Bankruptcy. Go to NOLO.com and type in Chapter 7. Ch7 involves a means test, which means if you're income is below a certain level, you can file chapter 7, and your debts will be discharged in a hearing if the court agrees that you need a clean slate. In CT, where I live, your income has to be below $110,000 (or at least it was when I filed). The advantages to doing this are, it gets rid of the calls and puts closure on this ugly episode of your life. It's a fresh start, and take advantage of the resources offered, like the financial counseling. This is not fun, but really got me on track. The downsides are the cost of an attorney ($1200, but this is in CT, land of expensive living) and the damage to your credit. Here's the thing though, days, and I mean days, after my discharge papers were in my hands, I began to receive offers from credit card companies to get right back in trouble! So you see, what a hypocrisy credit card company crocodile tears of being "cheated" are about. Take them up at your own risk. I would say, wait until you have an envelope system under control, if you ever go back.
For more lasting change, I would suggest reading and following the steps in Your Money or Your Life, a book by Joe Dominguez. This was a game changer for me, and you'll find it to be Mustachian, if I may dare use that term. If your public library has it, borrow it, but I've found it to be truly the most helpful finance book I've ever read and a good investment.
Of course, everyone here is very helpful, and I really enjoy MMM. I still pull out chin hairs with my tweezers when I find them, so it may be a while before I can boast of a mustache.
My situation was much worse than yours, and I can assure you, change is possible, but hard work. I've made several mistakes since my bankruptcy, but now am much more aware of a better definition of "enough" and not trading my future for the present.