By using these companies, you are paying them money that should go to paying off your credit cards. You can call the companies yourself, explain your situation and that you NEED to lower the payments for a short period of time. List your debts in order from the smallest to the largest. Work on paying the smallest one off first, then the second lowest, and so on. It will give you a sense of satisfaction as each one is paid off. If the credit card companies won't work with you, there's not much they can do--you don't have the money, you can't pay for a while. They will pester the h**l out of you. If you are not working, get a job to get you through this. If you ARE working, you might need a second job for a while to clear these up. And, stop using these cards until you are in shape to do it. I wish you the best and hope you can soon be out from under all of this.
