[header] How to work with credit card companies to avoid bankruptcy [title] Make a list of all your credit card debt. [step] It is important to face the total amount that you owe. Organize the list by credit card. 
Write down the amount you owe, the interest rate, and how much you are paying in late fees and other penalties such as over-the-limit charges. If you are behind in your payments, write down how many months late you are.