You don't have to get desperate the moment you start getting debt collecting calls.
When the bills start to pile up, the first thing you have to do is to stay calm and think of all the options you have to get out of debt and build up your credit score while doing so.
There are many options out there.
With a quick search you may find out many different names of consultants and agencies that will offer you the help you need.
Basically all you can and will have to do is to choose between a workout of the amount you owe or a debt consolidation so you may reduce and then eliminate all the bills and turn them all into one.
If you do so, you can pay only one monthly fixed payment without major worries.
Depending on how much you owe and how much the credit company is willing to negotiate, the workout with your bank or lending agency might be the best answer.
If your debt is much more than what the credit companies are willing to considerate for an agreement, the consolidation of bills into one might be your best option.
There are many companies that provide this service and they are pliable enough to offer you flexible plans so you know you will be able to pay it all out by the end of the agreement.
Whether you are applying for a settlement or a workout, try to look for the right professional to do the job for you.
If you wish to do it all on your own, it might work out in the end but the chances are slim and you also may end up getting it wrong enough to get you behind in all of your bills, making it harder for you to recover.
So look for the right help and you will be out of this problem in no time.
Whatever situation you might be in, don't wait too long to find a a way to pay out everything you owe.
The longer you wait the harder it is to settle your debt and bankruptcy might end up being the only way out for you.