Has anyone had experience in dealing with this challenging problem? (I'm ashamed to share this with family and friends) I recently went on disability (in the US). I had been carrying a credit card debt for several years; and can no longer pay the bill,as I am now living on a small fixed income. I've tried talking to the credit card company but they would not lower the payment to anything I could afford. What's the solution? Don't have enough assets to sell off to pay them back and not sure if I should file for bankrupcy. ALways thought of bankrupcy as a dreaded last resort, but the time may have come. Any one been there, or have legal experience in the matter? Your experience and/ or advice is appreciated.

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-Joe Offer-