i lost my job couple of months ago (still looking) due to no income i was not able to pay my credit card bills on time, and was ignoring the letters from CC Companies but today morning i got knock on the door and got the postcard left in my mail box (attached below). Any suggestion would be great, i would be happy to start paying them back once i get proper job (around 3 months time from now).

thanks for all the info here...

good info at one place

good to know this info

thats really great help...