What is the name of your state?sc after losing my job, i took over paying the bills and discovered that we were paying horrendous finance charges/late payment fees/ever increasing apr's. i've been contacting all of our creditors to try and get help, but nobody will waive fees, drop finance even though i've told them that i'm unemployed now. these guys have had me in tears for hours, and i don't know how i'm going to feed my children, never mind about christmas. i worry constantly about this. i only took over a month ago, but everything is going downhill before i actually have the chance to fix things and i would rather not file for bankruptcy! HELP!!!!