Very well said, Rose76, I couldn't have said it better myself.

Halliebeth87, please know that you are FAR from alone in this situation. I, for one, am in the exact same boat as you are. Yes, it can be stressful when those creditors are calling but, at the same time, I know that there is no feasible way I can pony up the cash they are looking for (I, like you, live on a very small disability) so I just tell them (the creditors) the straight-up truth and if they don't like what they are hearing, well, too bad for them. Honestly, they should be thankful that you are even willing to pay them anything because, considering your financial circumstances, you could actually get away without paying them a red cent (as Rose76 said above, creditors cannot touch your disability payments). If you have already explained your situation and they keep calling it's simply because they are trying to "scare you" into sending them more cash than you can afford and, obviously, it is also what they get paid to do. However, don't let them scare you into doing what you cannot do; do the best you can and pay them what you can as that is all you have to do.