If in credit card debt what should you do?

First of all, stop spending. Try to negotiate with the lender(s) of the cards. Call them up individually and tell them that you can no longer afford the minimum due each month (if too high). Some are willing to lower your interest rates and ask you to send in something smaller for a certain period of time like one year, 6 months, etc. After that period is up, you can call them again to renew the repayment terms until you are paid off.

I've worked as a credit counselor previously and basically what we did was contact your creditors and negotiated lower interest rates. What I've heard from other counselors was that banks do everything within their power to avoid a "charge back", charge backs are basically when a company writes off the balance and sells the debt, that looks very bad to a banks bottom line because they're losing money.

Knowing that if you tell them you dire situation and explain to them that it's going to be hard to make the absolute minimums payments they most likely will negotiate with you.

While you're at it you might as well ask them to waive your fees as well!

Good luck!