Hi. I owe about $3,000 in total on my 2 credit cards. I am unemployed and are receiving no income. I am over 6 payments behind on both credit cards, and they are threatening to take legal action on me. I've talked to one of my creditors of my situation, but they have done nothing to assist me. What options can you give me in order for me to handle this situation and be able to pay off my debt?