<prompt> Human: Right now I have all my credit cards at 90 days late. I am making enough to pay the minimums as if they were before, but there is so much added on right now, and some of them are trying to settle with me. Should I try and negotiate some of the fees down and get back into the rhythm of paying my minimums until I am caught up and then start paying down balances? I am talking about around 30k of credit card debt btw. I intend on paying everything down within the next year or two, but right now how do I go about salvaging my credit?Should I be asking which cards are still open or closed and focus on ones I can save?  <response>: I think the right move in almost any situation is to call them up and say youre going to start paying and that youre now getting paid, and is there any hope for some of these fees? 