I owe $ 17,000 on two cards. My ex wife ran these charges up and now I cannot afford to pay them off. I can barely make the min payment every month and will likely take my entire life to pay them off. Has anyone every used those credit card payoff programs that settle for pennies on the dollar. Anyone, please give me some advise. I am 42 and realize that this could hurt my credit for years to come but I just cannot survive with this debt.