$33k in Credit Card Debt - Unemployed and Looking for Advice I'm 31 with about $33k in credit card debt that I'm drowning in. I am unemployed and struggling with my mental health as I go through this (so please be kind, I'm seeking help, not criticism as I do enough beating up of my own self for where I am currently). I am already 6 months late on pretty much all of my cards and some are going to be charged off very soon as I can not pay. On some of the cards, I have been offered a settlement (some offers are for even half of what I owe). My credit score has already plummeted (515 score).
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