My story is that I was running my own business and making pretty good money, but wanting to grow quickly I used credit cards to cover personal and business expenses. Last year in November 2008, I lost my biggest client and was unable to collect unemployment. I am just starting to get back on my feet with a temporary contract and now have the means to negotiate with my creditors, not to mention buy food and pay for gas. My total debt is: $69K Of this amount, $34K is in student loans (which I have maintained current due to deferment for all of but $6K) $22K is credit card debt $11K is car repo debt In the last several months, I was out of the country working for a company where I only received room and board, so I did not manage to save up any money and was not able to respond to OC in time. This was better than sleeping on my aunt's couch and feeling miserable. Hence, I think I may have screwed myself over on the 30-day window, but I am stay hopeful. I pulled all 3 CR and have identified that my credit cards are all in collections. My repo car debt is now showing up. And 1 of my student loans is also in collections. Credit Card Debt: Bank of America, with Sunrise Credit Services Inc $11K American Express, with NCO Financial Systems Inc $4K Bill Me Later, with American Coradius International LLC $2.5K Chase (CC), with Enhanced Recovery Corporation, $5K Chase (Overdraft w/ Bank), with OC $500 Verizon, with OC $187 Student Loans: US Bank, with National Enterprise Systems, $6K I would like to contact Chase (Overdraft w/ Bank) and Verizon to pay for a deletion using the sample letter. I would also like to send each CA a DVL and try to negotiate a pay for deletion, paying the smaller balances first. What would you recommend for a good strategy?