"People may live as much retired from the world as they please; but sooner or later, before they are aware, they will find themselves debtor or creditor to somebody."

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In most cases, if you've gotten to this point, you've already received a letter or phone message from your creditor with the name and extension of a representative. If you haven't, you can call the toll-free number on your bill, but keep in mind that the person who answers may not have the power to negotiate a settlement. Ask to speak to someone who is either a supervisor or in the settlement department, if the creditor has one (as many do).

— Jean Chatzky