<prompt> Human: Basically, I lost my job and was unemployed for about 2 months and thats all it took for us to get behind. Between my wife and I we have roughly 30 to 35,000 in credit card debt. Im not sure the exact amount. We were and now that I have a job again still are, living from Check to Check and were unable to keep up with the minimum payments once I was unemployed. And now across all of the credit cards we have the minimum payment went from the 50 to 100 that we could barely afford it then up to over 500 each. There is absolutely no way that we can keep going like this. Our utility bills are still behind the mortgage is still behind etc. Also, I live in Georgia. Im not sure if that matters or not.  <response>: First thing you need to do is to determine exactly how big your debt is, and what the interest rate is. You cannot control what you do not know. Then, id sit down and do a writeup of your incomeexpenses, detailing and demonstrating how unable you are unable to pay down these debts. Then id talk to each of the banksloan companies, and ask if they would be willing to cut you some slack,as the way things look right now, they aint going to see any money at all if you have to declare bankruptcy . Have them give you some breathing room so you can get back on your feet and start being able to pay back the debt. My five cent, anyway. 