When the Creditors Start Calling!

I have you ever been scared to answer the phone for fear of which creditor it would be this time? I have and I never thought that I would ever get out of the mess that I had gotten myself into. Then I started looking around for more information about dealing with creditors, I found tons for helpful articles and several websites that had great information, but I still didn't now what to do, then I start calling them (the creditors) and I started asking them If I could pay you cash to settle this debt with in the next 30 days would you settle for less, and much to my suprise most of them did, in fact a lot of them settled for only 50% of the amount of the debt, so my advise to you is that you need to keep you head up and start dealing with them one by one because let's face it the only way that they are going to go away is to deal with them. Best of Luck!