credit card woes

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for these past few days i have been worried because i haven't paid my credit cards for 2 months now. actually, i have 5 and are already fully consumed. because I haven't paid last month and the penalties add up i am already overlimit. i can no longer sleep at night because i am very much worried how to cope up with this problems. i called two banks to apply for an amnesty but to no avail. i prayed to the Lord to guide to where and how can i solve this problem. i surfed in the net hoping i could get ideas on how to solve this. voila! i came to know the "banker" who did helped others with the same boat i am in. i joined diskarte pilipinas - a yahoo group. there i discovered so many ideas that i have overcome my fears and worries. i have to pay my debts but i will pay it with the amount i can . i know time will come that i can zero out all these credit card debts .....and goodbye...plastic cards...no more swiping....