Please help, useful help please needed

I am 14, i created an ebay account, under 18 =/ (MISTAKE) i forgot to pay monthly bills, and now they've passed on my details to a debt company, i can pay by monday but i dunno if i'll get done then. I'm having real family troubles, they think im a horrible disgrace, i've lost nearly all of my friends at school, and i'll admit i am selfish, and i cant help doing so, but i need some help to change, i need some useful advice and support.

What's causing you to lose your friends and get you on the wrong side of your family. Do you tell lies a lot? are you deceitful? If you know deep down what the problem is, then you've just got to make a concious effort to behave differently. Maybe you should think more before you speak, become more of a sharing person, and say nice things to people - compliment them about how they look, and if they have something cool, then tell them you like it rather than wishing that you had this stuff for yourself. You should try to come clean with the eBay account, and get someone to help you out, or speak to them on the phone. Actually, if you have opened an account using your parents address, it would be your parent's credit rating that would be affected I think, so you should pluck up the courage to tell them about it immediately if you haven't already done so. Maybe it means that you sacrifice your Christmas presents this year to get back on track or something - you've got to offer a gesture in return for them bailing you out, so just a sorry probably won't cut it. Maybe you can offer to do chores around the house for a period of time, to make up for the inconvenience/grief you have been causing them recently.