What is the best strategy in dealing with creditors when you are 90 days past due on all of your bills?

I don't want to declare bankruptcy, and can now afford my previous payment schedule. But for the last three months have been out of work. I now face thousands of dollars in late fees and late payments. I have no documented income now, I work piecemeal, but have the funds to do minimum payments. Where do I start? I tried calling one credit card company, they wouldn't even consider negotiating with me until I was employed with a regular paycheck, which isn't how I work.

You might want to try a credit counseling company. I manager a finance company and credit counseling companies will deal with your creditor for you, negotiate no late fees or lower interest rates. You pay the company (1 check) and they disperse it accordingly to your creditors.
Good luck!

Start calling the creditors that you have first. Make the the arrangements that you need to. Negotiate getting your late pays off the credit report if you can.

Don't deal with the credit card companies that are out there, just deal with the ones who know you.

I did that while in bk, and they eventually released my card so I could charge and I have now been able to increase my credit line with them.

I have a warm spot for them. I paid off Ford, and they dumped me.

you dont seem to be the most responsible person around i hope you have learned something.

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