If possible, send a check for as little as $10, or whatever you can afford. 

This will stay the creditors from sending your information to the collection agencies. It is important to act immediately on late bills before they do hit the collection agencies. The collection agencies are much more complex to deal with than common creditors. If you are in debt and find that you only have enough money to make ends meet, you might want to look into a few options available to you. If you have a family, single family, or individual you may qualify for a government loan or grant. 

While applying for the loan or grant make sure, you stall the creditors until you get the loan or grant offered. Many debtors believe it is impossible to get out of debt once they go down. The truth is, there is always a way out of any situation practically. Giving up is the only way that your credit repair system will fail?

The only true failure in life is failure itself and this is a result of slackers, procrastinators, and quitters. If you need help with credit repair and do not know where to get started, you might want to search your mind. 

Once you are finished with your search you will probably see, a resource and a solution that will help you find a way through repairing your credit. Your local library for example has a wealth of information that covers nearly every subject. 

What about your local social services, do they have a resource available? 

Community Action is another bridge you could cross when you can't find the answers to your credit repair in the areas you searched.