[SaF] Credit Cards

[Brett]

I would appreciate any help I could get regarding my credit cards. I am
way over my head in debt on them and way behind on the payments. The
companies are threatening me with legal action. I am broke so I can't
afford an attorney. What will the courts,companies, etc. do to me if I
can't pay and I have no legal representation? I don't want to declare
bankruptcy and I don't have the money to do that anyway. Anybody been in
this situation? Help. Thanks.