Try Scott Bilker’s website www.debtsmart.com He gives a lot of information on credit cards. And you can negotiate with your credit cards. Speak to supervisors up the chain of command and ask for fees to be waived and lower interest rates! Consumers can fight back!
One more thing. You can check out and complain to the better business bureau regarding abusive practices against the companies that have your cards www.bbb.org and also www.lawyersandsettlements.com regarding class actions against credit card companies and others.
My husband and I know exactly what you mean. The best advice I can offer at this time is to hand all your problems over to God.
Deal with what you can and don’t stress over what you can’t. Stressing yourself out is not taking care of the problems either. Hope you can use this advice and good luck with your credit.