When You Find You Cannot Pay Your Credit Card Bills

When you find you cannot pay your credit card bills you must take action! Which option is advisable?

A) Adjust your budget to allow for more money to pay for the cards.
B) Change to a less expensive credit card or cards.
C) Use a secured loan or home equity loan to get a lower interest rate to pay the cards off.
D) Use savings to pay off some or all of current credit card debt.
E) All of the above