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

I have most ,000 debt from 3 opposite credit cards as substantially as would kindred to to undergo my options upon removing absolved of this debt, pace my credit scord is already downbound a drain. At this moment, I’m not regard most action my credit measure anymore. we can discernment with a bad 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 revoke my balance. Any congratulations would be severely appreciated.

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