I’m not going to beat around the bush, I got into this situation when I was 18 and thought that credit cards were a great thing... anything I wanted I’d stick it on a card and pay back bits over time... this evolved and purchases got more extravagant but the payments towards these got less and less to a point where it fell to the minimum payment amount. I got more cards and spent more money. I’ve let this go way out of control and have no where else to turn. I’ve tried financial help through independent services but none can help. I simply want to get out of this endless hole that I seem to be in, and see the light and make a better future for myself.