My credit score has been ruined. I can't afford life sustaining medication. The credit cards I do have now have mostly small limits, and interest rates of 23% or more, because I run out of money from my pension check within two weeks every month. I'm often paying over one hundred dollars in fees to the bank, and sometimes $39 to several of the credit cards. I'm falling further and further behind on the debts. I made an agreement to pay one collection agency a small sum monthly to satisfy the debt, but now a second collection agency is phoning me twice a day. They want to collect on $21,000 to a past conglomeration of Bank of America, too. They imply nasty threats. I'm 77 years old, living in a studio apartment in downtown San Francisco. I survive most of the time on beans.