Old 08-03-2007, 07:48 PM
  # 3 (permalink)  
best
Don't get undies in a bunch
 
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Join Date: Apr 2004
Location: South Shore MA
Posts: 7,120
First things first comes to mind.

Getting yourself healthy (clean and sober) first means that when you start working on the money issues...you will be stronger and can handle things much better.
Struggle and pay what you can... the money problems still will be an issue in a year.
Work on you and then deal with the money issue... in two years time you can be ahead even more so then trying to struggle it all out now.

Personally I would say call each creditor and tell them you are on hard times but want to own up to what you owe. Most will make deals with you if their options are a little now or nothing till you feel you can better handle it.
If $20 is all you can do, don't let them talk you into $50. Credit counseling services can be an option as well but research them because some are just as bad a trap as a credit card.
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