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i reeaaaaally need help, CAs and OCs


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i opened several credit cards (5 to be exact) the last two years. i got into a big family emergency which ended up me maxing out most of the cards. for the first few months i was able to pay the minimum payment and now i just lost my job and absolutely can't pay anything at all. amex has sent my account to a CA and the rest haven't but they've been calling. what should i do with the CA? and how can i deal with this. should i just wait till they have my account as a charge-off? how long does that take? should i deal and make arrangement with the CA or the original creditor?

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