<prompt> Human: I havent been able to pay on any of my credit cards for 6 months. The companies are sending me letters and calls. The numbers are getting bigger and bigger and I dont know what else I can do. I cant fit payments into my budget regularly. Im concerned about the repercussions. Not so much my credit score, but things like holding my pay checks or harassing Co signers. I know I need a plan, I just dont know where to start or how to proceed. What are my options? Are there any options other than adjusting the budget? As always, all help is appreciated. Thank you for your time.  <response>: There is no option if you dont tell us anything beside, I am in a bind and cant pay.Give us numbers to work with, tell us more such as how much you owe, expenses, interest rates etc. 