ACTION PLAN 

How Can Debt Management Help You
Dealing with credit card debt is never easy. It’s the economic equivalent of quick sand - the more you struggle, the more mired in debt you seem to become. However, you can take steps to control and mitigate the debt. Instead of getting deeper and deeper in debt, developing a plan of action will give you a means to solve this problem in an economically beneficial way for you. 

First - Stop Using Card
The easiest way, and the most essential is to simply stop using the card. Drop it like its hot, put it away, cut it up, whatever works for you.  But stop using it. Don’t add to your debt burden. In fact, switching over to cash payment for the bulk of  your purchases might be the wisest move in the long run, if you’re in debt.

Tally What is Owed
Next, sit down and calculate what you owe and what it would take to pay off your debt. Is it spread across multiple cards? Is it just one big debt? What are the
interest rates? What are your combined monthly minimums?  These are all important questions you need to ask yourself.  Organizing your debt in such a way can help both with your peace of mind and enable you to more easily consider ways to get rid of credit card debt and set up a steady repayment plan.

Transfer Balances
Then, consider how much you’re paying per month. Can you pay more? Are you able to pay more than the minimum each month? If not, and if you have multiple  cards, compare and contrast the various interest rates. Which card has the highest? The lowest? Is the card with the lowest maxed out? If not, consider transfering the balance from the high interest card to the lowest. In fact, consider consolidating as much of your debt as possible in order to potentially cut your monthly payments to a controllable level. This will also enable you to more easily organize your debt reduction efforts (one bill a month is better than four, after all).

Debt Negotiation
Transfering the balances is a good start, but there is more to it. Chances are that if you are at this stage of debt, you’ll be a bit beyond normal methods of paying down your balance. Which means you’ll need to contact your creditors about alternate payment plans. Do it yourself debt negotiation can provide a lot of information and help you determine the best way to get rid of your credit card debt. This can seem daunting at first, but it’s a step you’ll eventually have to take if your debt continues to grow unchecked.

If you’re obviously struggling to pay your monthly minimums, contacting your creditors is your best bet. Negotiating a better way of paying down your debt is in the interests of both yourself and your creditor, as strange as it sounds. Remember, they want you to pay your bills, not go bankrupt. If you go bankrupt, they lose out on the money you owe them. Talk to a debt counselor, see if you can arrange a lower monthly minimum, or even an alternate payment plan. In most cases, they’ll be more than willing to help you come up with a way for you to continue to pay your monthly bills without 
endangering your economic health.

With the proper organization and negotiation, you can bring your credit card debt back under control, and your life as well.