Your debts are not necessarily written in stone. That may come as a surprise to many people, but there are some creditors, including credit card companies, that may be willing to negotiate with you to reduce your interest rates and/or limit the size of your monthly payments. Don't misunderstand, though; credit card companies make the most profit from those who make small monthly payments and continue to carry balances. But if they begin to realize that you are never going to be able to pay the balance in full, they may be willing to negotiate with you or with a company that provides credit card debt negotiation. Obviously, if you can successfully negotiate better terms, you won't have to pay a fee to anyone else. But experienced credit negotiators usually have a relationship with card companies that may allow them to reach an agreement you can live with fairly quickly. Be sure to investigate a service before you agree to use them. Some charge large fees for little service. If that is the case, you need to contact a lawyer for help.