I need help!!! I want to call creditors but don't know where to start!

IMO, I would just keep making the minimum payments.My CCs are the same, all the payments seem to just go to interest and I am not getting any where BUT then I also had to let a few cards go awhile back and let me tell you I wished I hadn't! I ruined my perfect credit that now will take FOREVER to rebuild,and yes CC will add on fees of all sorts and missing a payment will cause your account to default % rate. Upon signing/accepting the contract of the credit card we all agreed to the fees and such so they have every right to add on fees.I let 5 cards go 3 years ago because I had no choice, and have been sued for 2 and I paid and now being sued for a 3rd and am fighting but it is a PAIN!! I spent months and years with CA calling nonstop and being harrassing and all I can say is whether you think you are getting some place or not in your payments, if at all possible keep paying! Trust me!! If I could go back I would had FOUND a way to pay my cards! There is a high % of CAs suing too right now due to economy so do not ever think you would not be sued.I mean I thought they won't touch little me I had small cards one $400, one $900, and one $800 and the other 2 same and sued so far on 3 and the first 2 I paid A LOT! Not worth the stress.Maybe try to get a loan to consolidate with a much lower interest rate?Otherwise just keep paying.This is all coming from someone who has been there and done that and is just my honest opinion....

Thanks for your reply. I guess I am leaning more towards filing for bankruptcy because I can barley pay the minimum. I owe $3600 to one card and to get out of the hole... it'll cost me $1000. That's 4 months of missed payments of $60 and the rest are over the limit fees, interest, and late fees. It just doesn't seem manageable.