<prompt> Human: Okay guys. I fucked up. When I first moved away from home, I didnt have a job in town. So, I charged my credit cards. Once I got a job, I stayed on top of them, but eventually my parents were unable to help me with rent. Pretty much all my money has been going towards rent, bills and other things. So, Ive been unable to pay my cards in a while. And I mean a while. Of course, creditors are calling nonstop and stuff. I just moved back home today, so any money I make is going straight towards my cards. I was told my voicemail was full and when I checked I had a voicemail that mentioned getting a lawyer and stuff, which of course freaked me out. When I returned home today, I had a letter from a firm. I have yet to read it because Im terrified. I know my credit is fucked, but thats why I moved home and am trying to take care of them. My question is what do I do? I dont want the lawyers to get involved. I want to pay everything back, and now I finally can. Please please please help!Assistant: You wont go to jail for not paying your cc debt. Its all scare tactics. They will lose more money if they bring you to court.Heres what you should do: Talk to the cc bank and explain why you werent able to pay discuss the monthly payment in set period ie. 48 monthsHuman: So, should I call the company directly or whatever number they provide? Or is it something else thats separate?  <response>: Call the credit card company directly and make a deal with them to pay your debt by instalment. Do not be afraid of them. Its all scare tactics. Thats what they are trained for so debtors will pay them at once.Understand that you can always get away from this debt by declaring bankruptcy. The cc company does not want you to do that because theyd lose. 