Credit cards!

Welcome to the forum AmFolden, and congrats on the new baby! If you entered all of your information when you registered with this site, a debt counselor should be contacting you shortly for a free consultation. They will discuss your situation and the available options.

I don't know if this applicable to your situation or not, but some credit card companies will occasionally waive late fees for customers who request this, if they don't have a history of late payments.

Depending on your amount of debt and circumstances, enrolling in a debt consolidation program might be a huge help and benefit to you. You'd make one affordable monthly payment each month that is distributed to your creditors by the debt consolidation company. They can usually get your creditors to lower interest rates and stop late and overlimit fees, which helps a lot.

A debt counselor will be able to discuss this with you to determine if it's the right option for your situation.

Most credit companies have a grace time of two to three days after the due date. Call the payment division and make a payment now. They may waive off the late fees.