Over $6 trillion in credit card debt exists in the United States.  With high interest rates, it is one of the hardest debts to catch up on. There are ways to negotiate  your debt but they do come with consequences.  One of the worst things you can do is hire a debt settlement company who tells you to stop paying and they will negotiate your debt after you are in default.  Filing for bankruptcy can help you erase your debt.  It is best to talk with an experienced debt lawyer to determine what is the best course of action for you particular situation