One of the hardest things to pay is the debts in your credit card. You will definitely be having hard time to recover from your debts. And you will be desperate just to pay the debts. You will sell all materials which can be a source of money to pay the debts but sometimes, doing this is not enough to pay completely the remaining balance because unluckily, there will be a period where the interest from the interest of your debt is the one you are paying for, not the actual debt and its interest. Your debt will not be solved and not be paid, thus there will be increasing interest and you will keep on paying for it and you will end up a disaster. If you really do not know how to solve and handle the problem, you will never be a credit card debt free and you cannot move on to your debt.