What should you do if you can't pay your credit card bills?

Call your creditors and request a lower interest rate first, let them know you are having difficulty paying your bills. Ask if they can lower your minimum payment. If all else fails, go to a credit councelor (free in most cases) and get some help. You can also consider taking out a loan (or home equity loan) to pay it all off and consolidate your cards. Just be sure that once you get the loan and wipe out your credit card debt, that you cut up the cards or put them away so you can't spend and get yourself into debt again.