how to handle credit card debt

I want to write today about a situation I was in recently where I let my credit card bills get out of hand.  i was paying down the monthly payments just barely but then after a while it got to the point where I couldnt pay it anymore. i was looking for any way to get out of it, even bankruptcy if I had to.

I started to read about it online and try to learn what my different options were.  One of the things I started to think about was negotiating my debt.  It was something I hadnt thought of before.   You can read about negotiating your credit card debt here and then keep reading all the info you can come across on the web. 

Turns out, a lot of people can settle.  Just talk to the card companies but make sure you read about everything before so you know about the best way to handle it.  Like what the timelines are and everything else.  I ended up negotitating with one credit card for about half of what I owed and the other one for only 40 percent.  SO it can work, just check it out!