Good news lidaaw, the government are going to refine credit card lenders to regulations. This will be great for people who are struggling to pay off their debts due to unforeseen circumstances. The new rules will mean that card providers must back off from raising interest rates. There will also be options for a customer to freeze accounts and pay off the debt at the existing rate if the company suddenly want to increase the APR.

So I think there is help out there - it is just coming slowly!