Dreamer3381

Thanks for the awesome reply, good things to know! Sounds like I am in for 6 years of Heck. Sadly! Do I contact any lenders and explain my situation though and or would it matter? My biggest concern is the lending club payment of $800 a month. Say I were to mange to make the minimum payments on my cards but missed the lending club payment. When they eventually report that to the credit reporting agencies and it shows I am in default, couldn't my card companies slash my limits down and require immediate payment of the above balances so I would be ****ed anyway? Or is it

First let me start by saying I haven't even gone 30 days late as of yet but I am massivly concerned on what might happen. First and foremost I had a chapter 7 bk that was done in April 2014. I have since built my credit up and have been slowly racking up my cards. I currently owe Capital One $60,000, Barclays 20,000, Discover 4,000, and lending club 24,000. One month ago I had a massive seizure and was diagnosed with a brain tumor. I have lost my job and can barely work 10-15 hours a week from my doctors note. I have all medical records. Now I currently have 0 assets other than a 16,000 car I