Thanks to the new bankruptcy regulations enacted at the behest of the current administration, credit card debt cannot be included as an "excused debt" or for any form of "reduction of debt" in any of the common bankruptcy forms in the US.

That's because the Administration's friends needed protection from all those unscrupulous borrowers.

As Rapaire suggests, a legitimate consumer credit agency may be able to be of assistance, and likely can make arrangements that you can't get on your own; but do beware of the sharks in choosing one.

John