Credit Card Debt.

zeifer - welcome to the forums!

Have you considered debt consolidation or Settlement? If you registered for the free counseling session when you signed up for this site, a consultant will contact you soon to discuss these options. However, you will need to have an income in order for these programs to work.

Is there any job at all you can get - even something you normally wouldn't consider, like retail or food service? Not knowing what your previous job was, it may be a step down for you to take a job like that, but it would be something that would at least help you pay your bills. Not trying to insult your intelligence - just trying to offer some help.

Your first step is to minimize your expenses and get a new job at the earliest. You need to have some source of income for paying the debts under the plan and roll on your daily expenses. Creditors can take actions if they want to but if you show some payment activity on your account, you will put yourself in a better situation and will be able to defend yourself in the court.

The consultant will discuss your options mentioned here. Find the plan that works in your case but your most important concern should be to get a new job.