Try calling the credit card companies especially if u are 90 days late on the payments. Ask them if they will take 'payment in kind'. This means if u owe 2000 they may take 1200 cash. If they agree tell them to send u the paperwork which should state they will not report you to any of the credit bureaus. Then send them the agreed upon amount via certified mail. If they wont do that ask them to lower your interest rate. Most will do that.