If you are very ill, and that's all you can not make even minimum payments this month, do not worry. You can negotiate for payment of debts, much less than that for a long time - until they get their debt plus interest, after all, nobody expects to pay the full amount if you simply can not afford.
Writing-off of debts over time and many people are terrible. If this is correct, but you'll be surprised how creditors (for example, people who owe money) can be.
Close the account.
He may fee...