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Belliott54

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What is the best way to pay off 36000 in credit card debt

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How the heck did you end up with 36000 dollars in credit card debt,   ( just had to ask)

You need to get a second job and start paying it down at about 500 dollars a month or more if you can. Don't eat out any more,  don't charge any thing any more,  take all the credit cards out of your Wallet  or where ever you have them and lock them up,  never to use them until you get your debt's all paid off.

Take on some financial responsibility that the bills need to be paid.   I'm sure to build up CC debt to 36000 took some years to do and it will take just as long if not longer to pay it off.   Do Not Get any other CC's to Roll over the debt.

Give up the Starbucks Coffee, Movies,   Cable TV, Internet Access,   Cut your Bills and put the monies towards the CC Debt,  give up the Cell Phone You Don't need it.

I gave up Cable TV 3 years ago,  ( was not in debt, just did not want to give them my monies for what was crap TV )  as for internet access have the cheap DSL it WORKS GREAT,    Have a MagicJack for a Phone at home.  

You need to live within your means,  you can't spend more then you are taking in.

You had to see this coming long before 36000 dollars of debt.

Wake up and take Control **** it!  only you can do it,  we can't

Good Luck!

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