Now that the holidays have ended, many Americans are putting 2015 behind them and looking ahead to the new year. Unfortunately, starting over in 2016 is easier said than done. More than one in five Americans (21%) believe that they will not be able to pay back their debts while they are alive.

According to a credit card debt study by CardHub, U.S. consumers will have over $900 billion in credit card debt by the end of 2015. This is the highest amount of debt that has been recorded since 2009.

To make matters worse, Americans claim their debt is 37% lower than the amount reported by lenders, according to a Federal Reserve Bank of New York report.

"I think the biggest mistake people make is not having a plan," says Laura Beal, lecturer in finance, banking and real estate at the University of Nebraska Omaha. "They don't stop and think about a budget, and can easily lose track of their spending habits."

A budget also allows consumers to set aside money in their savings in case of an emergency. "Most of the people I see as a consumer attorney get into trouble with credit cards because things come up in their lives and they have no savings to rely on," says John Longo, founding attorney for Citadel Consumer Litigation, PC. "For example, they lose their job and start paying for groceries, gas, car insurance and other necessities with their credit cards."

U.S. consumers across the country are affected by a number of financial troubles, and some cities have residents in more debt than others.

So, in which cities do residents have the worst credit card debt? CardHub has ranked 2,547 U.S. cities on the average length of credit card debt payoff timelines and the amount of payoff costs for their residents. To find the required number of months it would take for residents to pay off their balances and the resulting finance charges, CardHub used its credit card payoff calculator and the average credit card balance and income of each city's residents.

Click through to see which cities made the list.