CC Senate Bill 1438

I don't know if it's really any help, but have you read about Senate Bill 1438? It's suppose to provide protection to cc holders by setting a ceiling on interest rates and surcharges and prohibiting hidden penalties or costs imposed by cc companies, banks, and similar institutions on purchases and cash advances made through such facility, as the long title suggest.

What took so long? And will it even get passed into law?

If you're like me, we'd have the same story. Had problems, couldn't settle, focused on minimum, until you realized it's going to take a lifetime before you can clear things up. And so you live a scary day-to-day existence as you avoid the door knocks and telephone calls. Cheer up, keep yourself informed, see how this and other support groups can be of help.