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

I have most ,000 debt from 3 oppositeness assign cards as well as would similar to to know my options upon removing absolved of this debt, pace my assign scord is already down a drain. At this moment, I’m not regard most saving my assign manoeuvre anymore. we can discernment with a bad assign for 7yrs. Should we work with a debt connection association or kibosh payments as well as discernment with a creditors directly? Hoping which they will revoke my balance. Any recommendation would be severely appreciated.