My husband, like a lot of folks these days, has been recently laid off. Although we have not been late with payments yet, the future looks bleak. It is going to be difficult to even make the minimum payments. I just noticed the companies are giving out a new phone number on their billing statements asking if you would like information about credit counseling services to call. So my question is should I call and let these cc companies no of our situation? Thank for your time. Sharry Mulligan