If you are paying the minimum amount each month it is going to take around 25 years to settle the debt, providing you don't charge any further items on the card. Living with excessive credit card debt or unsecured debt that is becoming difficult to service is not easy, and if this is you then arranging for the best debt relief possible. To get a reasonably accurate indication of what you may save you will need to give some information, like what the total amount of your unsecured debts are, your income and other details the bankruptcy attorney may need. While it is possible to do the process on your own, you should remember that a great deal of patience and effort would be required on your part as this is a legal process. There are details and points that require an educated & intelligent decision, as your choices will affect your case significantly. Your bankruptcy lawyer can make this process easier on your part.