maleficent

If you have serious credit card debt, call them personally and explain the situation. If you ask, they can and might just reduce the interest, and can lower your monthly payment (they'd rather get something than have you file for bankruptcy)

Do you own any property, ie your home anything of value that you can use as collateral?

What about McDonalds or other work? It's money coming in? Could you survive on a minimum wage job?

Eliminate all extras in your daily expenses, cable tv, long distance, purchaes like magazines and such.

Any family that could co-sign a loan for you? or help you out (borrowing money from friends is risky, your family has to still love you)

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