IN FINANCIAL CRISIS! NEED HELP! Should I write a letter to all my creditors?

Answers:0   |   LastUpdateAt:2012-10-27 19:29:08  

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muskaan
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I owe about $ 25,000 to various institutions as some banks for student loans , the cell phone company , a credit card company , the state and my university . I 'm only 20 , so I'm trying to avoid bankruptcy . I have been unemployed but actively looking for work for over a year and I just enough to keep me barely fed and clothed . When I call my creditors will turn around and make suggestions extravagant . As one told me to try to pawn something or ask a friend or family member for a loan. I am fully aware that I am responsible for my financial decisions and I will pay what you owe . I just need to know how to write a letter affective these people would . (ie , stop the phone call , escalating interest rates , etc. ) . I tried to get the phone call .
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