First off, doing this on a throwaway because of the pending lawsuit. I suppose I should get the details out first, sorry, I know this is going to be a long post.

Early last year I had surgery on my lower back due to a herniated disc. I'm currently in a lawsuit with the workmanscomp insurer.  I was told if I didn't get surgery I would lose use of my legs, so there wasn't really an option. I had many years at the company I worked for.

Anyways, at this point I haven't worked for over a year.  I've gone through what savings I did have, and my family has been extremely supportive, but can only help so much.  At this point, my credit cards are maxed, and I actually haven't been able to pay them for over a month now.  I'm starting to sell parts of my studio gear (eg., guitars, amps, rack equipment) but that is mostly just to keep myself fed and pay the basic bills for things I NEED, like electric.

My main question is, what do I tell the companies that call me, collectors and credit card companies in general? I've had good credit up until this point, so it's super depressing to see what has happened to it.
user
Had surgery, waiting on lawsuit. Can no longer pay bills, what do I tell the creditors and collectors?
assistant
First off, doing this on a throwaway because of the pending lawsuit. I suppose I should get the details out first, sorry, I know this is going to be a long post.

Early last year I had surgery on my lower back due to a herniated disc. I'm currently in a lawsuit with the workmanscomp insurer.  I was told if I didn't get surgery I would lose use of my legs, so there wasn't really an option. I had many years at the company I worked for.

Anyways, at this point I haven't worked for over a year.  I've gone through what savings I did have, and my family has been extremely supportive, but can only help so much.  At this point, my credit cards are maxed, and I actually haven't been able to pay them for over a month now.  I'm starting to sell parts of my studio gear (eg., guitars, amps, rack equipment) but that is mostly just to keep myself fed and pay the basic bills for things I NEED, like electric.

My main question is, what do I tell the companies that call me, collectors and credit card companies in general? I've had good credit up until this point, so it's super depressing to see what has happened to it.
user
I have had major surgery, and now I have no money to pay for it. How do I
assistant