No payments have been made and no contact has been made between myself and these creditors.
Ignoring them for now if you cannot get them out of default can make sense from a pure monthly budget, and being light on cash flow perspective.
You shared that much of the 30k in total debt outstanding is from student loans.
Part of any strategy would be to look at bringing the student loans out of default if they are government backed student debt.
My financial troubles started in '06 at which point i could no longer pay my debts, including a personal loan and a couple cards.
I won't bore you with details but I still haven't made any headway towards paying off this debt.Both companies can be considered debt collectors in their own right, but LVNV Funding is often viewed as more of a debt buyer.