Hi Raix
When I contacted my creditors they were unhelpful also . Then one day I rang them and said “I am going to go bankrupt – you will get nothing- are u interested in trying a repayment plan first?” And Guess what? Every single one of them agreed.
Monica is right – what can they do? You have no money right now . Just focus on not gambling Raix – the other stuff can be sorted out once you have a bit of gamble free time behind you .
Also Laura’s advice was very good – is there a an agency or organisation which could help you sort out your debts?
It would take a lot of worry away
Keep strong