I have gotten myself into credit card debt (approx. $50.000.00) of unsecured credit cards. I have recently lost my job and have no mortgage or car payment. What can the credit card companies go after? I have tried to call them to work out a settlement but some won't work with me until the account is 90 days to 6 months past do? My credit report is already messed up is there anything more that can be done to me?

If you have no asset, you may want to think about filing bankruptcy under chapter 7, chapter 13 only allow you to pay it off with protection from the court.

Chapter 7 is liquidation of all asset and debt. $50,000 is very excessive debt