Determine how much you can pay your creditors every month come hell or high water. Once you've determined that amount...contact all of your creditors.. offer to pay them XX on the 1st or 5th or 20th whatever of the month and set it up with your bank. MAKE EVERY PAYMENT ON TIME. Talk to each creditor as professionally as possible and ask them what you can do to keep them from reporting a negative to the credit bureau. Be honest and keep your cool...

If you are super upside down, then you may need to try to negotiate something else; however start with the above if you so choose.

A credit union also may be able to help; however until you get your score or credibility up.. you are sort of on the asking side.

I wish you well.

P.S. Please avoid lenders that cannot convey their intentions clearly and allow typos in their communication.