If you are having a difficult time keeping up with your minimum payments on your credit cards because of a recent loss of income, then you might want to consider looking into a credit card debt settlement program. As you may have already experienced your interest rates increased or have  had your credit limit reduced and have tried getting your credit card company to do something, only to have the conversation fall on deaf ears. Then maybe it is time to start doing something about it.  A good debt settlement company can negotiate your balances saving you thousands of dollars off what you owe today.