My therapist told me about these people: https://www.cccssf.org/services/index.html
Who work with creditors to negotiate something that will work for everyone. So I just filled out their form and they also offer services online so I signed up for that one.

and now that I've done financial adulting I'm going to take a fucking nap.

@bluepupboi we used something like that works great, but tanks your credit short term. Not that we had a choice.

@Kcnightfang yeah, my credit isn't that great as it is. But I feel like going the stop-paying-ignore-it-route is worse.

@bluepupboi Well the firm we use has you stop paying right away to get the companies to the table, and you pay into an escrow account with them, and they use Jose funds to pay out negotiated settlements with the creditors, that will be MUCH lower than your balance, especially with interest. We're still working through it now, but so far, so good.