They must first want to pay off their credit card debt. If they do not make this decision, all the excellent advice available to them will be useless. One a decision has been made, it will pay to get professional advice. There are lots of professionals who specialise in this type of help and belong to organizations that a free to the public. Any professional worth their salt will help the person develop a plan that is tailored to their financial disciplines and habits. This plan will be designed to change their habits over a period of time whilst implementing the plan to reduce the credit card debt effectively.
If no professional is available the very basic steps would be as follows,
Destroy the credit card
If they cannot pay cash for an item, they cannot afford it.
If they cannot increase their income, they need to cut back on all their expenses to the very basics. IE Mortgage/Rent, Power, Food, (Set a limit, basics only) Telephone, Fuel and Insurance if any.
Get all the payments made automatically through their bank.
With what is left over pay the credit card with most of it. For instance if you have $150.00 left over. Pay $100.00 each week on the credit card.
Don't spend the $50.00 except in emergencies. Do not touch what is in the bank until everything has been paid including the credit card. So if all the payments have gone it. Wait for a day before going to withdraw.
While this is being implemented it will pay to;
Keep looking for a professional.
Keep looking for ways to increase your income.
If they are lucky to find extra income this should go toward paying off the credit card.