You always knew that your credit cards were a great way to help in times of crisis, but, over time, they became a crisis of their own. They grew in number and, because you did pay on time, you received high credit lines. You spent on them little by little, but now, they're almost all maxed out and you can barely pay the minimums.
You have no other real debts to your name, but the credit-card debts aren't reducing even when you make payments each month. The interest rates are just too high. Now, with a reduction in your hours at work, you think you'll start missing payments. You don't know what to do.