Communitcation and working to show you have intent to pay it off is the first step. Call and see, let them know the situation.
Dave always says to focus on the 4 walls… house, food, utilities, clothing … first and rest of the payments after you are caught up on those. Plus getting the emergency fund in place before starting to hit the payments hard.
Also stop all borrowing, just don’t do it. THat’s been the tough part for my husband, but he’s doing so great and it is showing in our improved financial situation.
We are so deep into the credit card madness that it is going to take us 3 to 4 years to get the credit cards paid off.