Roslyn had $29,418.00 in total debt.
She had two credit cards. She owed Credit Card 1 $19,541.00 and she owed Credit Card 2 $9,877. Both cards were in arrears and she was being threatened with legal action.
After speaking with here we worked out that she could afford $140.00 per week to pay towards her cards. She could not see a way to be ever out of debt.
We dealt with her creditors for her and was able to get them to agree to accept the $140.00 per week between them and extinguish the debts after 4 years of payment.
She never believed that a solution she could afford was available.
Note: your situation may be different and require a different strategy.