credit card debt

debt consolidation industry is definitely scammed. All I can offer is that talking directly to the card agencies can get some forgiveness.

I haven't talked directly to them because wasn't sure how to handle because of injury, I couldn't pay them more than $40/month and owing them more than 10k balance now with all added penalties and fees makes it difficult, and no assets either, bankruptcy might be only way to get out?

A kind-hearted free bankruptcy lawyer could do wonders for you. Those are rare, but I found one in the past. I think that when they see that you’ve done everything you could to be responsible, some allow their human kindness to kick in. Best wishes.

A lawyer can advise which is the better strategy on an individual basis,...whether a bankruptcy or a repayment plan with the credit card company. Once a person talks to the credit card company about his repayment problem and enters into an agreement, this could make doing a bankruptcy impossible,...or almost impossible, even if the bankruptcy would have been the better choice.

“You see, even studies by the Federal Reserve Bank of New York have come to the same conclusion I have; people who file bankruptcy do better financially than those who don’t.”
www.huffingtonpost.com/steve-rhode/here-is-exactly-why-peopl_b_7695826.html