Exactly how do I tell creditors I can't pay them. Do not want to file bankruptcy. Don't have money to pay everyone. Only 30 days behind on some, about 45 on others. Do I make calls or write letters to each creditor:(

Well if you don't want to file bankruptcy you are going to have to pay them.

Creditors are not just going to take a phone call or letter stating you can't pay them and just wipe the slate clean. You are going to have to try and make some kind of agreement with them for payment.