Ok so in 2006 I lost my job which paid really well for the area I live in. Well thankfully my husband worked so we still had some income. We didn't adjust well to the income change. So now we have been through foreclosure and have at least 120 days past due on all credit cards, small loans, and our car (which was repoed). We are not willing to file bankruptcy we owe these debts and are now working out a plan where we will be able to pay off these debts (slowly). We are starting with the cc first using the snowball payment method (per Dave Ramsey). However we question what to do about the small loans on our credit report they are written off which we know they still have to be paid but do we contact the company and try to set up payment plans or is it a lost cause? Any help would be greatly appreciated.

What do you mean by "lost cause"? What does Dave Ramsey advise? Some contracts that are unpaid may appear on your credit report for twenty years. A judgement could stay longer.

First a loan that is written off is only a tax issue, not a collection issue, you can merely contact them and set up repayment when you wish, the chargeoff or written off has not bearing on your owing the debt or being able to pay them back.