I hope someone can help me but I really lost in what is my first step. I have been in debt for the past 6 years. I am like in $6,000 worth of debt. I tried a debt consolidator in the beginning but thats when I worked two jobs. I was trying to get back into school also at that time. I still working part-time but I never tried to pay any of my bills because I was looking for a full-time job and my pay is so low I didnt think it was worth looking at now I have been summoned by the same credit card company to collect debt for two unpaid cards. I would like to know what should I do first? Should I contact the attorney's office that is handling the debt and try to settle out of court or is it too late?