Always remember

This is more of a personable note! When you have tons and tons of credit card debt
always try to remember, especially in this day and age that your bank or credit card company do NOT want to have to forclose on you. They want to be able to help you out,and they want to ensure that they get paid.

NEVER, NEVER, NEVER bury your head in the sand. Come to an agreement with them as they will always try to accomodate you. Especially in this the age of the credit crunch. Take these words and don't ignore the debt, tackle it face on!!!!