You may wish to contact the Credit Counseling Society for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided.  You can contact the Credit Counseling Society online at [http://www.nomoredebts.org www.nomoredebts.org]. They will look at your finances with you, and suggest options. You can call them toll -free at 1.-888.-527.-8999. The Society may be able to help you get into a debt repayment program to help you pay off your debt.