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You have two choices:
1) Call the credit card companies and explain your situation and ask for thier help.
2) File Bankruptcy.
Choice two is extreme and will have many negative aspects, but depending on your situation it might be the best alternative.
I guess it depends on how overwhelmed you are. If you can’t afford a debt relief program, it sounds like things are pretty dire. Has your credit record already been pretty damaged? You could try to consolidate a few of your credit cards into a single, lower interest loan. If that still won’t work, you might be on your way to bankruptcy court. Good luck!
I just read a great book called the debt diet. Get a good debt book from the library and read it.
A debt relief program is not going to help you anyway, so be thankful