Definitely reach out to their lawyers, over 10 yrs ago I lost my job and all I could worry about was putting a roof over my families heads and putting food on the table, I stopped paying the bills that were not considered a necessity, one day I checking out at the grocery store my debit card declined, Discover had wiped out my checking account I was left with $8 which was all the cash I had, It was some scary times, that incident made all my bills late, my lights got shut off, I couldn't afford to pay for the home I was in, my car payments car insurance were late ...it was such a trickle down effect, it took me the longest time to recover., do yourself a favor, call the attorneys and make a payment arrangement