I have about ten thousand dollars in credit card debt. I need to be relieved soon. I cannot pay the monthly payments on the four cards. It is about 400 or more a month. I am paying interest out of the roof. I am unemployed. I used to work from home as a writer. My employer didn’t need me this year. I am hoping I could talk to him by the end of this year 2017 so that in 2018 I could have income and writing work again. Please God help me to breathe and get out of this. Otherwise, I will have to declare bankruptcy. I have 20 dollars in my bank account ant 200 dollars due in a week which I have no money yet to pay. Maybe I will get a Christmas gift to pay the card which is due Jan. 1 Please help.