I Declare...or Do I?

Aye...I'm in a quandary! I have been on a rehabilitation plan for my severely defaulted student loans for several months now but have missed some payments. In my usual fashion, I have ignored the phone calls from my agent...because seriously, why call someone just to tell them you DON'T have the money yet. Per the agreement, I was to have made 12 consecutive payments in order for the loan to come out of default. Well, I figure since I've botched the agreement...and haven't received a phone call from the agent for a couple weeks now...I'm just going to skip it at this time. If they come after me, I'll have a pretty valid excuse anyway since I'll probably be filing for bankruptcy. Plus, my previous agent had informed me that if I was unable to complete the agreement per the terms, I could file a financial hardship claim with them...I figure that would at least delay the possibility of wage garnishment. I think other matters need to take precedence right now. So, I have made an executive decision to cease making payments at this time. Now, I just need to move on the rest of the crap! I have to start calling back creditors and getting #'s together, etc...so that I have something to present to whoever I end up seeing about all of this. I know I will feel much better once I have accomplished all of these things...however, the task is entirely too daunting right now!