I have too much of credit card debt and cannot afford to make payments as I been laid off from job recently. I am only 3 weeks late in making payments but have managed to remain current with my home loan. I called my creditor to settle the debts but he said it is not possible as I am only 3 weeks late on payments. I have enough savings to run the household but cannot afford to pay for my credit cards? Do I have any other option?