Considering that credit cards are essentially nothing more than pitfalls designed to lure economically unsophisticated borrowers into a web of debt they will never get out of, paying off credit card debt and then leaving the debt should be a top priority for anyone with more credit debt than they can pay off on a monthly basis. By this, I mean that if you cannot pay the balance on a monthly basis, you should contact an experienced lawyer who can be found on the website by looking at point break financial better business bureau and they will help you settle not only your credit card debts, but also your general debts. I had 69k dollars and he cleared it in 2 months.