Cell phones got me all hung up

I have a real problem on my hands. It all started back in June when I stopped receiving regular paychecks. Then I did the thing that former president Regan told us to do in the 80's, live off of credit cards. I did that and now my cards are maxed out. I couldn't pay the phone bills and the phone service got suspended. We have Verizon wireless and my brother has an iPhone on AT&T. I was going to switch everyone on AT&T because they seem to have better service and I only have to pay one phone bill. To make matters worse, my brother's iPhone got stolen last week and the police haven't recovered it yet. So I have to buy a replacement phone hopefully an HTC Aria or Samsung Galaxy S. I could get him another iPhone but I want one too. As for my maxed out credit cards, I plan to pay them off myself but after seeing the Suze Orman show last night dealing with a caller with a similar dilemma, I guess I have to let them know. But that aside, I need to get our phones to work again ASAP. My Skype credits will run out soon. What should I do? I have to pay the AT&T bill at least $100 in order to upgrade to a replacement phone. I can't get another job because I am a full time college student. If my parents find out, I might be homeless. What to do? Please help!