I don't make a whole heck of a lot either, and I'm looking at my bills and my paychecks every payday. I am focusing on one, giving them a little more each check, and then giving the others what I can. The first one is nearly paid off. I'm also going to rotate the others, one month focus on one, then switch, going back and forth until they're paid. None of these are huge, but they're enough to do some damage to my credit.
As for medical bills, call the hospital/office/etc, and talk to them, ignore (as best as possible) the collection agencies. When i was uninsured and in Chicago, I messed up my ankle pretty bad. A nasty sprain. I was taken by ambulance to the hospital. Of course, being uninsured, they billed me later. Even when a private coll. agency tried intervening, I ignored them and worked with the office within the hospital. I was up front with them about what I could and could not do. They lowered the amount a little and worked out a payment plan. If the med. bills are huge, talk to them. They'll understand, esp. if you're uninsured or underinsured. Explain the whole situation. Don't get angry, just talk evenly to them. they're more likely to respond in kind. Same with the credit companies. Be calm about it, and they'll work with you, not strong-arm you.