Depends on your situation.  You can first consult someone like a non-profit consumer credit counseling services.  They may be able to lower your bills to a manageable amount and drop interest rates as well as get the collectors to stop calling.  If it has gotten very bad and you have nothing, you can consult with a bankruptcy attourney and see what options will work for you.  \n\nI wish you luck...not a great time for this around the holidays.  But know that no matter what happens it always works out somehow.
I cannot pay all my bills. My credit is ruined and collectors are calling?  What can I do?