u/Corsariodelasantilla

Hey guys, I’ve being real bad with money, specially after I moved in into a house. Bills plus regular life expenses have make it impossible for me to finish paying off my credit cards. I have a debt for +20k and I don’t know how to get rid of it. I’ve tried but minimum payment won’t stop going up and is not even allowing me to save money. I really need to stop this but I don’t know what to do. I haven’t even used the cards for months. What do you guys recommend? Am I finished? I’m 24yrs