Originally Posted by kandyfruitcake
Just a quickie - if you ever get in money trouble again, please don't leave it in the hope that it will go away for good. Just contact your creditors as soon as you know you're in trouble, let them know about the situation, make an offer of payment at a reduced rate and you can ask - as a gesture of goodwill, and some will - that they immediately freeze the account and stop accruing interest. The bottom line is they want their money back and it's in their interests as well as yours to co-operate.