I've got plenty of debt, and make enough to wipe it out within two years or so, but all the creditors want something now, not to mention my pay is already garnished, I owe 15K in back taxes etc... I have old credit cards, a repo I co-signed for 8 years ago etc... I feel over my head and can't pay all this at the same time... how do I tell a creditor I will get to them in six months after all the other debts I have... I don't want to file, but what else can I do??