I completely agree with smokey's statement about calling your credit card companies. Insist that they put it in your record that you have called.
If you need to negotiate a smaller than normal payment - tell them and see if they will work with you. The last thing you need right now is bad credit for your future. As long as you make some attempt - it is much better than doing nothing.
In the meantime - you have my prayers that a wonderful job will open up soon and solve your problems.
Don't let yourself get too down - we are all here for you.
Hugs to you.
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