When I first got a credit card I swore to myself I would never let it become such a large problem like it has become, but now I am kicking myself in the butt for letting things with my credit card debt get so out of hand that even making the monthly minimum payment has become close to impossible. Now I realize that even paying these minimums will take me over three decades to get out of debt.  So now I am going through a consumer debt relief process that should be able to help me out in the future and get me out of debt for good.