Fuck them. All of them, as this too shall pass. When I lost my job, I contacted my creditors and informed them that they would be getting what I could afford, and while I had no intention of filing BK, I would if they wanted to play hardball.

They worked with me, and all is good today. I started my own company during that time as well, and while challenging and scary at first - it was the best thing I ever did.