Six months ago my wife and I were really struggling to make our monthly payments.  We were afraid to answer the phone because we knew it would be one of our creditors asking for us to make a payment.  We started letting all of our calls go to voice mail.  It has been such a relief to get everything back on track and under control.  We took out a debt consolidation loan and now just have one payment to make each month.  It is much easier to manage and all of the phone calls have stopped.  This was a great option for us.