Here are some tried and true ways to manage and even curtail credit card debt:

1. Don’t buy stuff you don’t have the money for.  (Important note:  You know you don’t have the money when you look at your bank balance or wallet, and there is not enough money in there.)
2. When you want to buy a consumable item, and it cost more than your daily wage, put it back!
3. If you are away from home, and it is time for lunch, and you have no cash, and your credit cards are maxed out, maybe it is time to go on a fast for at least one meal.  {On the other hand, if you have a friend (or former friend!), that owe’s you some money or a favor – this might be a good time to collect.}
4. Even if its been a long time since you’ve had a date, avoid the temptation to succumb to the infamous ‘grocery store pick-up line’.  This will usually happen when you are shopping at the grocery store, and you find yourself  ‘picking up’  extra items that are not on the list.  They really sock it to you when you get into the check-out line!  Make like tape, and Stick to the list!
5. Don’t go shopping when you don’t need anything.  {Never trust yourself when you tell yourself you are just going “window shopping”!  Yeah, right, I know a house in Detroit for sale, too!}

Now, if you can do all these things, (it’s not rocket science, now is it!), you will go a long way to avoid creating more credit card debt and having to file Chapter 13 or Chapter 7 Bankruptcy.  Why would you want to make the bankruptcy attorney rich anyway- so stay out of debt!