If you are having trouble paying your creditors, you may wish to consider filing Chapter 13, which was designed by the Congress of the United States to get people out of debt without the loss of all their assets. Chapter 13 is a type of consolidation. Are you past due on your mortgage or car loan? If you are, you may be able to include your missed payments in the Chapter 13 Plan.
If eligible, you can make reduced bill payments through a court-appointed trustee while a court order stops bill collector harassment, some interest charges, wage deductions by creditors, car and furniture repossessions, and even home foreclosures.
After your case is filed, creditors are not permitted to call you either at home or at work. Under Chapter 13, you will not lose your home, car, furniture, or any other possessions, provided you make the proper payments.