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If you want to avoid ruining your credit worthiness completely, consider looking for Credit Card Debt Relief rather than filing for bankruptcy, which will stay on your credit report for 10 years and wreck your FICO score. Debt relief includes working out a reasonable payment program that you can afford, making lifestyle changes to ensure that you stay within your budget, and avoiding more debt. If you are clueless about how to do this, it is recommended that you hire a credit counselor to help you through the tricky parts. They will give you a complete picture of your current finances and assist you with figuring out how to pay everything off.