What exactly happens when you don't pay anything to credit cards for several months?

[yp_john_chico]

I have had a situation in my life happen that has cause me to lose my job and I have not paid my cc bills for about 6 months now. I had about 12 thousand that i owed and i had it at an intrest rate of around 10%. I am sure that that is not that case now but what happens now? My credit was also very good before this situation but is it totally screwed up now and what will need to be done to get it back to a good credit score again? I found out that I have bipolar and have had a lot of trouble with many things in my life lately and I am even scared to answer the phone when the credit card company's call me. Please help give me some kind of idea how bad this financial situation is for me.