I have four credit cards, and all of them are past due over 90 days. I simply can not pay the minimum due on all of them. Two of the cards have offered to take 40% of the balance either in full or installments. One of the cards has been sent to a collections agency, and they are demanding all of the payment in full in 48 hours. This is impossible and she has threatened me with a lawsuit and the possibility of revoking my ability to get student loans. I am still trying to work with the last CC to get on some type of low interest plan or settlement.