There are two primary ways to erase credit card debt: use a grant to pay them off or have the debt discharged in bankruptcy. If you have the money to repay a debt, even if you are disabled, do not expect to get help from either of these methods. Grants will go to individuals who are facing financial ruin if their debts are not repaid by an outside source. Similarly, bankruptcy courts only allow specific individuals to qualify for bankruptcy and for discharge in bankruptcy. You can file for grants or bankruptcy if your disability will cause you significant financial distress, preventing you from repaying your debts on your own.