Overdue Credit Card Bills
Backstory: Around December I ended up injuring my ankle and having to quit my little part-time job. I have an autoimmune disorder that has complicated the healing process, and anxiety/depression issues to boot, so I haven't really been able to work since then. I didn't have any money to pay my credit card bills, not even the minimums, the first couple of months, and then whenever I did have a little bit it seemed like the minimum they'd accept was too high. It just made me so anxious, I pretended like it wasn't happening. I realize this was incredibly dumb. I've been getting about 10 calls a day from these people. I've been ignoring them up until now. However, I'm finally at a point where I feel like I can deal with this. Classes started again, and I am taking them in the evening so that I can look for a job in the daytime, and I have a bit of money that I can use towards paying them. So here's my question: I don't even know where to start. I have 3 cards I need to take care of, one I owed 1000 on, one 1500, and one 350. I have no clue how much has been tacked on to those since December, and I'm afraid to look before I have some sort of idea what to do. I have about 1500 I can use towards paying them, but no clue when I will have more so I'm going to need to spread it out a bit in terms of payment so I don't end up back where I started but 1500 gone towards nothing, you know? Should I start out by calling the companies? What should I tell them? Is there any way to reduce what I owe? How do I minimize this impact on my credit? What should I do if they're rude to me? I'm a full-time student, does that mean anything (haha, probably not)? Any help would be appreciated. Edit: I should mention that impulsively spending on them again should not be an issue. I'd actually used them to pay a portion of my tuition when I lost my scholarship, because I didn't want to let my family know I was having such a hard time and I had to remain a full-time student to keep my mother's insurance (my meds run about $1500/mo without).