Hi - I am new at this too, but please don't feel "worthless"!!!! I am a very emotional person and I can tell you that the best way to begin is to realize that you want to help yourself - that's why you're here; you want to deal with these bills and that is very good!!!!  Just try to set aside the negative emotions and thoughts.  I have been mostly lurking here for 4-5 weeks and based on advice here and just educating myself, I have raised my EQ score by 20 pts and my TU score by 10 pts.  You can search PFD and read about it.  I have had some luck just calling CAs to ask for PFD but I have also written letters, both hard copy via CMRRR and email.  More experienced people will be able to give you some good advice.