There are many options for getting rid of your credit card debt.
But are you confused by the large number of choices.
Look around to find that you are not the only one who is confused.
Most credit card users who have built up a huge debt are in the same state as you are.
They are all confused by the choices open to them to eliminate credit card debt.
Debt relief can be difficult to understand.
You may have choice in the form of counseling, consolidation and debt settlement and bankruptcy.
They are in the order of severity and should be applied in the same sequence.
The bigger the debt, more complex will be the solution.
Let us assume that you have a problem in managing your debt.
Credit card debts are bothering you with your time management.
Due to a badly managed debt plan you have been suffering financially too.
Counseling is the best option for such issues.
The counselors will help you to get things in order.
They will also advise you to save some money and reduce your expenditure.
The next situation one can look at is you have over $2000 in debt in three credit cards.
The debt is gradually growing on its own due to interest and late fees.
You are the right candidate for consolidation.
The counselors will help you to transfer all the credit to one account and manage a lower rate of interest.
The next two stages could be with over $10,000 in debt.
You could either go in for a debt settlement program or file bankruptcy.
Bankruptcy is talked about easily but has serious ramifications.
It will cause a huge dent in your credit.
It may be over 10 years for your credit to be restored.
So if you can manage with a debt settlement, go ahead.
Keep bankruptcy as your trump card.
Start looking for a debt settlement.
The Internet has a lot of help to offer.