How do I deal with credit card debt if I'm unemployed?

If you're unemployed and you have credit card debt, the card companies may be willing to work with you on interest rates and/or lower your minimum payments if you call and explain the situation.

Many card companies maintain credit card hardship programs that lower monthly payments or delay payments entirely for a certain amount of time.

Please take into account that the hardship agreement will be marked in your credit history and will impact your credit score.

Sorry to hear about your situation. Job loss is never easy to deal with.

As to your first question, there is no way to know without a lot of additional information - for example, do you have any emergency funds saved? Do you have a spouse who works? How old are you? Do you have a retirement account? Etc.

The answer to the second question is probably not. The card companies may be willing to work with you on interest rates and/or lower your minimum payments if you call and explain the situation. But they might not be.

If it reached the point where it was dire enough, bankruptcy could always be an option, but in most cases, it should be the last option. And even if you wanted to pursue that, you would need to talk to a bankruptcy attorney who could apprise you of all of your options.

Again, sorry about the situation. I hope this helps some and best of luck.