Debt Settlement Help

by Elena
(USA)

Hello:

I am hoping for some help. I have an extremely large amount of credit card debt. I do not wish to file bankruptcy. I have made debt settlement offers to the credit cards but they have not responded at all, they continue to add late fees and over-the-limit charges to my accounts. It's been over a month since I made my offers.

What do I do next? Do I contact them again (don't want to seem too anxious) or wait for them to contact me.

I would really appreciate any assistance from anyone who has had debt settlement experience with charge cards. Thank you.

Elena