The major credit card companies have gotten together to provide help to people having trouble paying their credit card bills. VISA, MasterCard and Discover are all participating. They have launced a new site – HelpWithMyCredit.org and a toll-free number – 866-941-1030.
They recommend that you first talk with a representative of your credit card company to see if you can negotiate lower fees or modify your payment plan. They can also refer you to a consumer credit counseling service.
Arizona Republic article – Credit-card Companies Offer Help