I had to leave my job suddenly for personal reasons which left me unable to make payments for 6 months until I found a new job. The new job pays less and I'm barely about to make payments on one card/loan. How do I handle this?
First thing I would do, and one of the hardest things to do, is to call the bank and explain the situation. Communicate with them. Its been 6 months, so it will likely not be a fun conversation, however, it needs to be done. You may have done this already, but if not, consider reaching out. Make a payment plan- pay something. It doesn't sound like it's gone to collections yet, so that's great. And congratulations on the new job! I know it pays less, but I'm happy for you that you found something after 6 months! And now it should be easier to find a better job if you continue to look.
That sounds like a great idea to start with. Take a look at how much you spend on food or other necessary items. See where you can cut back. That money may seem like not very much, but it is something.
What do I do if the cards are already charged off?
You mean you cannot spend anymore on them?
I don't think I have ever been in that position. I don't use credit cards unless I have to for medical issues.