Another great video with information for all. Here is a little bit of knowledge to shoot to any readers. You can follow the 1st 3 steps but then do the ground work and contact each creditor and make you own plans and arrangements for reduced payments,interest,balance,etc. Most are willing some are not. The issue is to not wait until your are 3,5,or 7 months late. Call immediately if you cannot pay. However ,send in at least 1/2 the min you owe so the company will receive something. Keep in mind they still may mark you late since you did not mail a full amount but it goes towards your character and resolve. Do not pay a company to do what you just created. It did not take 1 day and a Debt comapny will make it worst sometimes
Dirtybadcredit.com 
Another great video with information for all. Here is a little bit of knowledge to shoot to any readers. You can follow the 1st 3 steps but then do the ground work and contact each creditor and make you own plans and arrangements for reduced payments,interest,balance,etc. Most are willing some are not. The issue is to not wait until your are 3,5,or 7 months late. Call immediately if you cannot pay. However ,send in at least 1/2 the min you owe so the company will receive something. Keep in mind they still may mark you late since you did not mail a full amount but it goes towards your character and resolve. Do not pay a company to do what you just created. It did not take 1 day and a Debt comapny will make it worst sometimes