I work in collections and I see situations like this day to day. What I would recommend is paying what you can even if it’s pennies to the dollar and contact a debt consolidation company. Any record showing you’re atleast attempting to make payments will help negotiating a lesser amount on the debt. Also, If any of your accounts were charged off and sold to collections you could have the poor remarks off of your credit report removed through the consolidation company. You can negotiate with collectors but it’s easier done though the debt consolidation because there’s a possibility the agency will pay the company holding your account. You’ll still have to pay the consolidation company but you’ll at-least have some of the stress of credit reporting off of your shoulders. I would also recommend claiming bankruptcy possibly chapter 13 and or pandemic impact even if you weren’t effected. It is a bit unethical but most creditors don’t double check records to see if you were actually effected by the pandemic. I know it’s not the greatest advice but anything helps. Hope things get better, I’m rooting for ya.