back on the forum and overwhelmed

Are you collecting unemployment?
Does your husband work?
Looks like your credit cards will be charged off shortly. If you're not working, they can't do a wage garnishment, but they can put a lien against your property.

Have you consulted a bankruptcy attorney? Without income to pay any bills, this might be your best option before your creditors get judgments.

old post, wow! Well back in 2010 when I lost my job, I was an independent contractor (1099) so I did not qualify for unemployment. My husband at the time was working, but what he made barely covered food and his gas to drive to work. It was pretty grim, winter we could barely heat enough with wood to keep the pipes from freezing, and my sisters would send me a little money whenever they could.

I have not paid any of my credit cards for 3-4 years now, and am trying to game plan what to do ... keep ignoring the letters and calls, or start working on paying them off? I have a good job again thankfully, any would rather not declare bankruptcy for under 10k in credit card debt.

how many cards,and what are the balances?you could try the ladder method meaning save a lump sum percentage of the largest card.say 45% to 50% then contact the creditor,or owner of the debt and negotiate a settlement.then go by the balances largest to smallest.now do you want to just pay/settle,or do you want to pay/remove them?that is important as some will tremove their entry if you pay the entire balance and it is negotiated as part of you paying.settling will still show up on your CR,but it will show PAID SETTLEMENT,or SETTLED on your CR.if that's not important then settle with them.

What state are you in? Have they hit or are they nearing the SOL?? Paid or unpaid collection accounts...both are negative. If you have hit the SOL, cease and desist them. If they are nearing the SOL...I would try staying under the radar.