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Depends on your situation. You can first consult someone like a non-profit consumer credit counseling services. They may be able to lower your bills to a manageable amount and drop interest rates as well as get the collectors to stop calling. If it has gotten very bad and you have nothing, you can consult with a bankruptcy attourney and see what options will work for you.

I wish you luck...not a great time for this around the holidays. But know that no matter what happens it always works out somehow.
Output:
I cannot pay all my bills. My credit is ruined and collectors are calling? What can I do?