Can you provide more details about your current credit situation. Balances, lates, collection amounts, scores will give us more insight and can help with determining the best route. Unfortunately, it will take time to bounce back from any situation, but taking the steps in cleaning up is the biggest step of all. Give more info and you will get great advise.
I.agree with all said above. I'll add that once the deletions fall off, you'll see a quick jump in the scores, normally in fairly nice chunks. Make sure even on the 30 day late that you get in touch with that creditor to see if they'll do a goodwill and delete it also because that still effects your scores and will plague you for 7.years until it falls off. Even the account you have the pagment plan on, if it's already in collections I'd try to strike a deal with them to pay for deletion also. Leave no stone unturned becuase all of these points add up.
