<prompt> Human: For clarification, before I became disabled I made plenty of money and was paying x3 the minimums. Just didnt pay them off completely because I assumed Id be fine. Ill be out of work for at least the next year. Not sure what to do. Any advice ?  <response>: First step is to contact each of the creditors, notify them of the situation, be prepared to show them documentation. Many companies have programs to assist, and reduce payments. It wont wipe any debt out, but may reduce interest, and make it so your credit stays in tact. x200B; 