Has your credit gone haywire and you are at a complete loss? Don't worry. You can still avoid losing your credit and the possibility to repair it. There are many companies that can help you, but you yourself can be your best help. Most importantly, you should not run away from the creditors. Contact them directly to discuss your options. All that the creditors want from you is that you pay them back. You may reasonably expect them to work out a repayment plan that fits your budget. This will help you in maintaining your reputation also. So, go talk the talk and find a solution.