They may be willing to work out a modified payment plan. Contact a credit counseling service. These organizations work with you and your creditors to develop debt repayment plans. Such plans require you to deposit money each month with the counseling service. The service then pays your creditors.
Some nonprofit organizations charge little or nothing for their services.
While these loans may allow you to consolidate your debt, they also require your home as collateral. Many people face financial crises at some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or simple overspending, it can seem overwhelming, but often can be overcome. The fact of the matter is that your financial situation doesn't have to go from bad to worse. Although bankruptcy is one option to deal with financial problems, it's generally considered the option of last resort.