<prompt> Human: Im 41 disabled and trying to get back in the workforce. Im have a BBA 12 years management experience. In the last 2 years Ive added about 30k in credit card debt due to a gambling problem. I win big but then give it back. In the past month, I have been up 7,000, 7,800 6,600 and gave it all back. Im an advantage player in blackjack. I get 1,400 a month and gave away 15 months salary on stupidity. Im getting behind in my bills now and Id like to see if the credit card companies would work with me. I dont want to file for bankruptcy and I made the debt, I plan to pay it. The problem is the casino was doing cash advances as purchases and then they changed it and now Im paying high interest. I know this is my stupidity and Im just trying to figure out the best way to handle it. Thanks in advance.  <response>: We dont know the rest of your financial situation and bankruptcy is an absolute last resort that should be used by people who deserve it... but we also dont know whether or not you even qualify for bankruptcy.Unless you have an SSA-qualifying disability and absolutely cannot work, you need to work the debt off. And if anyone here thinks Im being tough on a disabled person let me add that I have cerebral palsy, lumbar disc disease from my L5 to my S1, two fractured vertebrae, and have suffered two huge financial setbacks in life of my own doing... and I clawed my way back from them, going to work day in and day out and paying off all my debts. Penny by penny.You need to do the same, because otherwise you are not going to learn financial discipline going forward if you have a reset button. The downside: Its hard. Very hard. The upside is, that will change your life 180 degrees from where you are now. 