Bankrupt credit problems creditors calling court jail

Okay well I have credit problems and I have creditors calling leaving messages etc. And I have spoken to a few but they are so mean so im trying to work with them. My credit is so bad that im thinking about the big "B" yes Bankrupt. but alot of my friends are telling me not to go that route. Well to finally get to the questions, I have been to court for a settlement for a past due credit card and I was making payments, okay I left the state I was in to go college and that didn't work out, and not to sound ditsy but I forgot about my payments, and im afraid that ill go to jail and that's why im afraid to call and continue where I left off. So in that case I don't know what to do, since there was a court appearance involved.
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in your situation yes
call or else face a warrant for arrest when you are pulled over for a traffic problem.
Eventually you will have to pay

I think if you call you can feel it out and hope
give your past name and address and ask how much you owe
do not give out your current address or phone at first.
if you can pay them off right then.
be prepared to pay in full right then