Dear all This isn’t strictly business related, but it’s business-caused (plus my own stupidity which I’ll leave aside for the purposes of this post) I had to close our business. I used our credit cards prior to closure to finance operations. It has left me with card debt I won’t get back. I’m struggling now to meet minimum payments. I’ve been paying what I can as often as I can. I’m aware my credit score is falling with each missed payment. Is it best to contact companies in this situation. I did speak to one who said they’d now hold further action. I made an offer of repayment. - On the whole is it better to do this - contact them and more or less break the contract and admit being unable to pay - or is it best to try to keep making payments and keep the account ‘live’ as it were? I did think to try to at least pay one card in full and on time? Maybe that would help? Thanks in advance, very much.