To Whom It May Concern:
Basically, I am carrying credit card debt that I would like to pay off once and for all. Once the debt is paid, I can live within my means, I have a plan that can work (committed expenses, savings, etc. that is "doable" with my current salary); currently however, the minimum payments due have me going in an endless cycle of living paycheck to paycheck with no money leftover and debt still hanging over my head, and its time this stopped.