First a couple of letters to credit card companies to withdraw or greatly reduce amount since they did not use their own assets to loan me the money and thus not entitled to interest and late fees.
Not sure what to do next if this fails to get results.
"First they ignore you, then they laugh at you, then they attack you, then you win!"
"The belief is worthless if the fear of social and physical punishment overrides the belief."
BILL3 of DP