Need urgent help. Lost job and have debt.

You can negotiate with your credit card companies to settle your credit card bills. Also explain your situation and try to reduce the amount of your medical bills. You can take professional help if you can't do it on your own. However, you need an income to do so. So, look for a job. As a last resort, you can file bankruptcy.

Have a talk with your creditors and let them intimate your situation, this may lessen your credit card bills and if you place your condition about job loss, this may declare your condition as bankrupt and may lead to completely round off all your debt. For the discussion with your creditors, if you think, you are not fit, you can also take the services of credit card counselors, who will discuss the matter with your creditors on your behalf and whatever be the result, you have to follow it and make the matter close.