if you've had three of your recent payments missed, you probably copped a fair whack of that debt then - if your monthly amount is 120 (i'm guesstimating from your statements) and you missed a few months, even three, there is 360 - a further 90 for the three missed weekly payments puts it at 450, and then you add three 50 fees (pretty standard for this kind of arrangement) and you've got your 600. rental agreements suck soemtimes with what "hidden" fees exist - it's very easy to see how they've added it up pretty damn quickly

there has been some good advice previously about ditching the non-essentials. if you don't NEED something, get rid of it. i know that we all have things that make life easier (like the internet/mobiles etc) but, given this and previous posts about your current finances, it's time to sort the needs and wants and start getting serious before your baby arrives.

i agree with getting yourself well versed on your contract and what defaults mean for you. it sounds completely normal (unfortunately) for default to result in collection and sale of products, with you still owing the amount left on the contract (minus what the products sold for). some companies will allow you a reduced repayment if necessary if it's paid immediately (which is a JOKE when you're facing financial hardship), but ultimately, they're in the game to make money, and they'll enforce contract defaults when they aren't getting their money.

i would suggest you get some financial counselling for both yourself and your partner. you're in this together, and your finances (or any black marks against either of you) impact both of you and your baby. it's frikken hard when it gets to that point where you've got no idea what way to turn to bail yourself out - sometimes you need an outsider to help with that one