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so if youamp;#39;re about to start missing payments or having late payments because you feel like the insurmountable debt that you owe to the credit card company canamp;#39;t possibly be paid watch this video so it dawned on me a few days ago that Iamp;#39;ve pretty much taught you guys everything I possibly can about how to pay your credit card bills the right way but those videos for me and people like me in this space typically revolve around people who donamp;#39;t have much debt on those credit cards so what about those of you who are maxed out on your credit cards and have no extra money each month to start paying those down youamp;#39;re pretty much on a revolving hamster rule of making the minimum monthly payments watching that Bal Skyrocket each month well donamp;#39;t worry as usual I got you come on so I want to introduce a concept to you guys thatamp;#39;s not new matter of fact itamp;#39;s fairly old but most of us arenamp;#39;t talking about this because itamp;#