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How can I pay off a huge sum of credit card debt without ruining my future??

I am a 20-yr old student, halfway through college. When I began college, I recieved all of those "college" credit card offers mailed to my house. I made the mistake of not cutting up the cards and just threw them away and now someone in my family has used the cards to rack up between ,000-,000 of debt in my name. I do not wish to press charges on them since they are in my family, and my creditors have told me that is the only way I can claim "fraud" on the accounts.

Now I have 4 credit cards in my name that are 6 months or more overdue in payments and I only work part-time at a daycare since I am in school. My parents/relatives will not loan me the money, nor can I drop out of school to work full-time. Creditors are calling me day and night and I just do not have the money to pay off this huge debt. What is my best option? Credit counseling? Debt Management? Bancruptcy? I know there is no "ideal" option but what can I do that would cause the least harm to my credit & future?
I can only afford to pay my creditors about 0 a month total. I would like to avoid bancruptcy at all costs because my fiance and I would like to get married and have kids in the next 7 years and even though he has good credit, mine will prevent that if I declare bancruptcy.
The family member who accumulated the debt will be paying me back eventually but this might not happen for awhile.

Also, I have already spoken with my creditors, they cannot come to an affordable agreement with me.

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What is the best virtual credit card to pay for adwords and hosting too ?

I am looking for trusted web site offering acceptable virtual credit card so that i can pay my adwords account & also to buy some hosting plans from host gator ….. appreciate useful answers thanks in advance.
More Details : I Need Virtual Credit Card to Be Accepted By Google AdWords to Fund My Account . . . . .

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Credit Repair – Credit Cards – Does the type of card make a difference?

I found a huge credit card directory… Does the credit card you apply for make a difference on your credit report?

If I apply for a poor credit credit card – http://www.affiliatetier.com/credit_repair/credit_cards.php – Would this effect my credit report?

If I apply for a really great credit card like American Express Blue: http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 – Would this look good on my credit report if I am approved? And would this look really bad on my report if I am denied compared to a poor credit credit card?

I have been reviewing all the credit cards: http://www.affiliatetier.com/credit_repair/credit_cards.php & found http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 to have an overall rating and benefit rating as the highest so far… I am scared to apply if I get turned down and it shows on my credit report as being turned down by a GOOD credit card…

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Best Credit Card in India In terms of Reward points?

Which Credit card gives best reward point program in India?
If I want to choose between HDFC & HSBC which should I choose?
Also suggest any other card which is Lifetime free and offers better reward point program?

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What can you do to lower your credit card interest rate?

Several years ago I developed a chronic medical condition,lost my job & was unemployed several years. I used my savings to pay my credit cards until I missed 2 payments in a row. I contacted the credit card company, worked out a deal to pay them back.
I am now employed, current on my bills & have been for several months even though they are charging me an usurious interest rate 29.95% I believe. I have not used this card since several months before my missed payments. I contacted the card company to lower this amount but they refused.
What are my options?

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Comparing credit cards.. Which one should I get?

I’m a college student getting my first credit card to start building up my credit for after graduation.. I bank with Wachovia now but I’m not sure if that’s the best credit card option to go with.. Here are the ones I’m between. Any feedback and suggestions would be great! Thanks :]

1. Wachovia

https://www.wachovia.com/foundation/v/index.jsp?vgnextoid=71791115100b0210VgnVCM100000617d6fa2RCRD&appInstanceName=default&vgnextrefresh=1

2. MTVU

http://www.citicards.com/cards/wv/cardDetail.do?screenID=911

3. Discover Card

http://www.discovercard.com/student/#

4. Chase +1

http://www.chaseplus1.com/

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Have you tried this step to Lower Your Interest Rate for credit cards.?

i was looking at the ABC News and they had some good ideas about lowering credit cards interest rates. and i was wondering have anybody tried calling their credit card companies and saying this

"Hi, my name is (your name here). I’m a good customer, but I’ve received several offers in the mail from other companies with lower annual percentage rates. I really want a lower rate on my card. Can you help me?"

i haven’t tried it yet but i was wondering have you heard of this and tried it.
here’s the link to the story.

http://abclocal.go.com/wtvd/story?section=news/troubleshooter&id=6496557

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Asking for a lower credit card rate?

I have a credit card with a very high balance on it. But, I’ve been paying on it to bring it down…since we got married on 2/1 & my husband was out of work, it was just the minimum balance, but it was still getting paid.

I have a credit score of over 700.

About 2 months ago, I called up the credit card company & asked for them to lower the rate. Said I had an offer from a competing company & I would transfer if I couldn’t get it. They said "No."

I got the other account & transferred a few hundred (which really didn’t make a dent on #1). I also ended up taking money out of my 401K (I’m only 26, so there is plenty of time to build it up) & paid half of it off. There is still a high balance though. I only use it for a reoccurring charge that will be done with this month.

Would it make sense for me to try calling them again now to see if I can get the rate reduced? Now that they saw so much get paid off, they know I mean business? Or should I wait til next year & try again?
I should also mention that I’m afraid to open a new credit card because my husband and I are trying to get our inquiries down so we can get a house within 2 years…

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What is the best Credit card?

What is the best Credit card offer out there for someone with good credit & pay history. I’m looking for something with low fixed interest and a points reward system… recommendations?

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Are there any online credit cards that offer 0% APR on purchases & balance Xfers without a balance Xfer fee?