[Question_Assumptions]

There are non-profit credit counselling services all over the place to help people deal with creditors for a small fee. They can remove interest and cut payments. The key is to go before things get too bad. Some people wait too long.

[msru]

I did collections for a retail store as one of my first jobs after college. Lots of creditors will not deal with these agencies. They try to offer the creditors reduced/partial payments and such. By the way, I worked in collections for about 10 months...the worst job of my life!!