Ever since I was unemployed, I have fallen so far behind on my credit cards that I could not afford to pay them off. I tried to send a letter to two credit cards on the same company, American Express, explaining my situation and they did not care and decided to turn it to a credit bureau. This year, I have been able to pay some minimum due on my credit card, but once again I am falling behind because my husband does not have a steady job that pays him well enough that my check is not enough to pay for my credit cards.


