Legal Question in Credit and Debt Law in Utah

High Payment Due to Interst Rate

My husband and I are both retired and live with family. Our income consists totally of soc. security. Because of a high interest rate on our second mortgage and their refusal to combine both 1st and 2nd mortgages due to our age and their belief that we could never again make high salaries we lost our home. Due to that and reduced income some of our credit cards fell behind. Most of them agreed to work with us and within 2 years we were able to make our payments on time and they kept their interst rates as they had been before we fell behind. However we have 2 credit cards that are with the same corporation and they have steadily increased the interest to 29.24%. I have called them and they said that because of being behind with our payments to them and other credit card companies a few years ago, even though we have not been late and have never missed a payment or charged in the past 2 years they will not reduce the interest. The minimum payment goes up every month and it has gotten to the point where I can't afford to pay the full amount. The only thing we own is our car. Please give us some advice. We do not want to go bankrupt.

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