They probably can't do much. The thing is it is our debt so we feel defaulting will be immoral. They have been pretty good about not harrassing us once we explained our situation. I am working on seeing what I can do to get them to reduce the interest rates.
Good luck, I know how you feel. So do I, having spent the money Im obligated to pay it back.
Although imo cc companies are themselves immoral, two wrongs dont make a right.
You are doing the right things on your own, without the use of a counseling service. Once you use one, it shows the same on your credit report as a BK.