If you are incapable to decide the problem of growing debt on your own, you could enrol of eliminate credit card debt program where the agency acts as a negotiator between debtors and the credit card companies that they owe money to, either through a lump sum payment of a concentrated amount or through small monthly payments. Once you decide on how you want to eliminate debt, focus on guaranteeing that you adhere to the plan to enjoy life without credit-card debt.