PLEASE ADVISE! Here's my situation, after some overspending and family crisis I have a LARGE amound of debt scattered over 5 credit cards, probably close to $40,000.00 and these cards are all in my name, none in my husbands and he is not on any of the accounts. I have always made my payments on time and I actually can only afford to make the minumum payments each month but I pay half of the minimum every 2 weeks. I really want to get rid of this debt as it's only increasing since I'm only paying minimum payments but I would like to avoid bankruptcy and I'm up for negotiating with my credit cards if that's something I could do which would be beneficial. Oh, I haven't used my credit cards in over 6 months, some longer than that. So, is this do-able? How should I start, any advice is GREATLY appreciated, thanks in advance!