New – have a question

I am new to this site and have a question. I am seriously in debt (142k) and I just lost my job. I am currently not behind on any payments and I would like to negotiate settlements and get rid of all of this. I will not have the means to pay the next round of payments if I don’t get a job son and even then, it will continue to be a more difficult hardship. Will my creditors negotiate with me now, even though I am not behind yet?

Any advice is appreciated.

Probably not. It’s been my experience that they will only begin negotiations when you’ve missed 3+ payments.