Hi. I'm in a similar boat. I had all my debt in a Ch. 13 Bankruptcy where I paid $610 biweekly to pay my debt. After a year and a half, I couldn't afford it anymore. My case was dismissed. Now, all my creditors are sending my accounts to collection agencies. I took the plunge and went to some of the collection agencies websites. They offer affordable payment plans and some would settle the debt for less. After I pay pay off some of my current bills, I might try one of their options.
