I have lost my job and have been out of work for the past four months. I owe $15,000 in cc debt to First Financial and can't pay the minimum balance anymore. I called them to tell them this and they offered a drop in interest from 29.9% down to 12% interest for 6 mos. and a $510 per month EFT. I can't pay this and they asked if I received unemployment. I spend it on rent, utilities, car insurance, and food. I told them their payment came form my savings and now it is all gone. I told them I could pay when I get a job but, I don't know when.