2Consider Filing For Bankruptcy
If you find that hardly anything of your monthly income remains after paying the monthly installments on your credit card dues, it is high time that you seriously considered the option to file a petition for bankruptcy. When you are making the minimum monthly payments to the credit card company, you are paying just the interest only on your loan and the principal amount remains almost the same.
You will be in a dire situation from which escape seems quite difficult. In most cases, the rate of interest on credit card loans will be quite high and it generally takes about 35 years for a person who pays only the minimum payments to fully settle his/her credit card debt.