Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
If this is your only debt I would suggest sitting down and working out an Income & Expenditure report, to arrive at a figure you can reasonably afford to repay. Then write to the CC company explaining your situation, why you cannot make expected repayments and offering what you can. Also ask if they would consider freezing interest. If they agree they will also freeze the card ( so no more spending on it).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk