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.
[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.