lost my job and cant pay minimum payment on credit card

what do i do? ive gone on jobseekers allowance and benefits. do i write to them ad explain? if i offer a token payment of say 50 pounds a month and ask them to waive the interest is that ok? they cant contact me as my phone has been cut off and i have moved into a hostel. i cant afford to use my mobile so all i can do is write would they understand?
its no good them sending a debt collector after me as im in a hostel on benefits. im so depressed as i have a family to feed and my wife is sick
ihave no phone number so they wouldnt find me. im doing the right thing by wriiting to them
an advice? they cant get blood out of a stone. would they waive the whole bill? also what happens ifi died? surely the debt would be wiped clean? my wife cant work
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