Depending on where you live, and the amount of backpay, you may want to consider buying a Single Fmily Home. If you won't have enough cash to pay for the fill thing, there is a program through the USDA for rural areas and those with low income to receive a subsidized interest rate 1-2%. if you don't have a family member that you trust to act as your representative payee, then SS provides one.

If you have bills that are several years old, don't just automatically make the payments along with inflated penalties. ( I'm not sure how this is handled with a representative payee.) the account that has your backpay can't be attached and your monthly benefit can't be garnished. These resources SHOULD NOT be going to a collection agency to pay debts you're not legally liable for anymore.

Please keep us updated, or even pm me if you need any help.