<prompt> Human: I have this debtDiscover at 23.243480.67Capital One Platinum Mastercard at 16.151129.48Chase Amazon Card at 13.495787.27Chase Freedom at 0.00 or 19.24? All purchases before Introductory period expired.2630.00Chase Slate at 12.241853.15Bank of America Cash Reward Visa Platinum Plus at 17.24 up to 29.99 if not paid?2831.60Bank of America Visa Platinum Plus at 17.24 up to 29.99 if not paid?2099.00and student loans but I know nothing can be done about that and I dont have to pay anything on them right now since my income is too low, so thats not a problem right now. A few months ago I stopped paying the minimum payments on my cards. So now, they are calling me all day long. Should I answer and tell them I cant pay? Or keep ignoring them? Im just not sure how to proceed.I bring home about 640 per week and work 60-70 hours per week. I was buying all my groceries with them for a while. I would pay the minimum payment each month and then charge more than that in grocery bills or other bills. Then when they maxed out I couldnt pay the minimums anymore if I was gonna pay for groceries so I stopped. Luckily I got a much higher paying job at that time so now I can finally barely afford all my bills for my family, except these credit cards are just sitting there and I dont know what to do about them. I dont know if I can work anymore hours and spend even more time away from my family. I do have a car that I cant afford to lose in bankruptcy. Its a nissan versa. I need it to get to work. Just not sure how to proceed. Thanks for any advice.  <response>: Stop hiding and call them, most card companies will work with you if you can demonstrate a financial hardship. They would rather get paid something than nothing.If you have Federal student loans, those can be put into deferment or forbearance to buy you some time to work on the credit cards. 