I've been there, too, Moose. Actually I am still there, but I choose to ignore the phone calls. I negotiated down credit card payments on two accounts, and on a third one, I defaulted on it when I had to stop working a few years ago. I'm glad that I no longer qualify for huge amounts of credit. My therapist has helped me in dealing with it because it is such a big issue with many people who have bipolar.
At the end of the day, you can only pay what you have available. Do what you can, and ignore the phone calls.
Bluemountains