Hi. I havent joined any programs yet. I don't even know if it would do any good at this point. We are self employed and have been deeply impacted by the cost of diesel fuel. I lived on cc for a while but now cant make all the payments. I have not paid on several for a while. I want to repay but cany pay all right now what they want. My phone rings constantly about every 10 minutes everyday and I don't answer the calls because i know i cant pay what they want and their only resolutions seem to always be well lets post date a check. Post dating a check for somene self emplyoyed does not guarantee money in the bank. Explaining that to them only gets you the same response. Well lets post date a check ughh! I really need help and want to know if there is even a program to help me out. I feel on the edge of a nervous break down. I have about 4 to 5 panic attacks a day on average. PLEASE TELL ME YOU CAN HELP