i have debt of 40k from 4 different credit card and haven’t paid for almost year. I receive several phone calls a day but i don’t answer them cause I know they are debt collectors and it is kind of scare to talk to them. I am willing to pay my debt and clear them off.
Regarding to this, I have some questions to experts who know better than me.
1. what is the best way to deal with debt collector?
2. Is contacting with debt consolidation good idea to solve this matter?
3. I’m not a u.s citizen or resident. I’m a student with student visa. Does debt consolidation will work for me?