It is always a good idea to contact your creditors to try to work out a repayment plan.  If you ignore your bills, they could be sent to a collection agency.  If you are not comfortable negotiating with a creditor, or the creditor is not willing to work with you, then contact the nearest Consumer Credit Counseling Service by calling 1-800-388-2227;  these counseling services are affiliated with the National Foundation for Credit Counseling and work with creditors on your behalf.  Contact them at:  www.nfcc.org