[Missam05]

Wow this thread has been enlightening. Last semester I wasn't able to work or find a job and therefore was unable to pay most of my bills. Now my credit card payments are out of the water and I really don't know what to do. They offered some kind of payment plan but my bank account was just as bad. (Really rough semester.) Anywho I'm debating whether to keep paying the small payments weekly or save up what I can to try and reach the already high minimum amount due. For example..I paid my Visa bill 2 payments totally $100 and the amount due was $230 or something. Not enough they say, I still got charged a LATE fee and an over the limit fee.. It's getting to where I don't want to pay them anything at all if it's doing no good. There's no way on this chicken head salary I can scrape up $221 for two credit companies. Any advice here. I did enroll in a Credit monitoring program who sent me a report from all the bureaus. My credit is fair only b/c of these credit cards being late and really close to the limit.

HELP!