First of all look for the original debt on your CR. Make sure that none of the debts are still on 7 yrs after date of last delinquency. If so dispute to have it removed along with the subsequent sell offs of the same accounts. Once those are removed, its time to do some serious house cleaning. See who you CAN pay. Ask for settlements or whatever. Never give info that you don't want them to have such as phone numbers as it is an attempt to collect a debt and just like Miranda, everything you say can and will be used against you. Don't try to negotiate unless you can step up to the plate immediately. Making promises you can't keep can re-age your accounts. Make sure nothing has been re-aged, in other words is older than the 7 years it should be there. Once you've exhausted all that the only thing else that can help is time.