<prompt> Human: I took out three credit cards in my name and spent 100 at most. I lost my job so now I have 3000 in credit card debt. I dont know how to pay this nor do I think 3000 is fair for 100 spent. What are my options. In NE.Assistant: If you didnt pay your bill it looks like you repeatedly didnt pay the CC bill, then 100 easily turns into 3,000. Do you have a job now? If not, go do something, anything. Deliver pizzas, flip burgers, do something to get some income.Human: I have small income now. I dont have the means to chuck 3000 at this though.  <response>: You need to make payments, not pay off the whole thing. 