Many American have fallen in the never ending spiral of credit card debt. The problem with it is that once it starts it just keeps getting bigger and bigger. You miss a payment 1 month and the next months payment will be even harder to pay because it will be a larger amount. The interest will keep accumulating on your unpaid amount making your life harder and harder every month.
What you need to learn is how to get credit card hack software companies to negotiate a debt settlement. A debt settlement is when a creditor agrees to reduce the amount of your debt in a negotiation. This might seem surprising but this is a perfectly legitimate and old practice. The reason that the creditors would agree to something like this is that they will incur a 100 percent loss on their investment if you default. So they reduce the amount to something you will be able to pay to make their loss as small as possible and get your account closed so they can move on.