I know the good advice is to keep in touch with your creditors, but it can be difficult when they call you so many times. Our Capital One debt that we were going to try to take care of over the summer (but a consulting gig did not pay me for work performed) has filed a small claim in court, which I need to appear on Friday for. I am contacting today a company that helps to mediate before court and seeing what we can do before Friday. We have $2500 in the bank to work on this, will let you know the results.
Next week I'll contact one other large creditor that I've been ignoring (so much that they're not in the net worth calculations) since they sent me a letter this weekend.