Debt help

Hi Justme and welcome!
We need to know a little bit more about your situation. How much debt do you have, what kind of debt is it, and are you behind?

Mostly credit cards. I am now starting to fall behind.

Oh yea - it's about 12000 all together

Ok, that's better. First off, I would call your creditors and explain that you've had surgery and your income has been halved. Ask if they have any programs for someone in your situation. A lot of places do. Your interest will probably still accrue on the debt, but possibly they would let you slide with even less than a minimum payment for a few months.
Another way you could go is debt consolidation. This is where you go to a company, list all of your creditors, along with your balances, and they work with them and with you. You send them one payment and the DCC company sends it to your creditors. That might be an option.
Let us know how things turn out!

Justme. We've all been in your situation. We want you to know that we are here to help. Since you've registered, you will be contacted by a debt counselor who will be able to discuss your situation in depth and point you in a direction. Right now it's the weekend, so be patient and you will be contacted. In the meantime, look through the various threads forums on this site. You'll probably find other situations similar to yours and find some helpful suggestions on how to handle your situation.

I was just contacted by a lawyer yesterday, A very pushy one in fact, who in tern called me and asked me to pay in full a credit card I had fallen behind on a couple of years ago the balance of 3500 I told him I could not afford this and that I could afford 20 a month he said that this was an imposibilty and that I should find some other means I have no clue what to do now please help