I will be overrun by my financial obligation, specially my credit debt. My two biggest bank card debts are both with Wells Fargo. I’ve one WF card with more than $8,000 and another with more than $5,000. My total credit card debt is about$ 30,000. I have cut all my costs and utilized all my cost cost savings. I no more are able to afford which will make my minimum re payments every month. Belated payments have result in creditors hiking prices on a number of cards to about 30%.