How can I resolve my $40,000 credit card debt.?

Credit and mortgage advice Forums Consumer Credit Debt Management How can I resolve my $40,000 credit card debt.?

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      I have about $ 40,000 debt from 3 different credit cards and would like to know my options on getting rid of this debt, considering my credit scord is already down the drain. At this moment, I’m not concern about saving my credit score anymore. I can deal with the bad credit for 7yrs. Should I work with a debt consolidation company or stop payments and deal with the creditors directly? Hoping that they will reduce my balance. Any advice would be greatly appreciated.

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