<prompt> Human: In an effort to be as transparent as possible; I am looking more for tactics than advice. When to call, how to pay onlinecheckmoney order, investigate debt relief, how to lower total amount Ill pay, any ways to avoid paying the excess fees and added on b.s, how long to wait, what to prepare for from them as far as their tactics against me, continue avoiding unknown calls, etc. I dont need numbers. Im not asking for numbers. Please dont tell me you need the actual numbers to give me any advice. I am interested in personal accounts of similar situations and wondering what worked, what didnt work, and if you would have done something different looking back. Once I get the ball rolling on this I plan to keep things updated to let you all know the progress of things. Hopefully at the end of it all we can rejoice together. Thank you in advance for any and all feedback.Edit: Thanks for the replies so far! I apologize for not providing the type of debt I am referring to. Your assumptions were correct however so Ill count that as a win.  <response>: Please dont tell me you need the actual numbers to give me any advice.Then youre unlikely to get much in terms of usable advice. Dealing with a 200 cable TV bill is different than a 30,000 credit card debt. Your salary and assets will also seriously change the situation. I am interested in personal accounts of similar situationsWe dont really know much about your situation, so how would we know whats a similar situation? 