WTDWYTKAM Gerald on Metro FM: Should I ignore people I owe money and the sms messages

Gerald and Metro FM, The Touch my Money team discuss : TODAY’S
VOICE-NOTE: Hi Touch and team I’m behind on some of my instalments
including car and one or two others. The institutions I owe keep
sending me this message: Contact our Call Centre. If you have made
payment or an arrangement, please ignore this message. My first
instinct is to dodge the whole thing and make payment when I do
actually have the money. Please advise, should I continue dodging
or call the places and when I call what do I say because, for real
I don’t have the money.