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

I have about ,000 debt from 3 opposite credit game as substantially as would kindred to to know my options upon removing absolved of this debt, deliberation my credit scord is already down a drain. At this moment, I’m not regard about action my credit measure anymore. we can discernment with a intense credit for 7yrs. Should we work with a debt converging association or stop payments as substantially as discernment with a creditors directly? Hoping which they will countermand my balance. Any recommendation would be severely appreciated.