Overdue Credit Card Bills

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).
i’m new!

i’m new!

Room in my Florida house…

Room in my Florida house…

life in the midwest.

life in the midwest.

Paint Problem

Paint Problem

Painting help.

Painting help.

New house for term time :]

New house for term time :]