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1. Credit card debt relief can be achieved through a variety of
ways. Generally speaking this would consist of debt
settlement, debt consolidation, credit counseling and
bankruptcy. For the purpose of this article we are going to
assume that you are in financial distress and are in need of
help. In the next few minutes we will be discussing the
first 3 ways you can achieve credit consolidation with the
hope being you can avoid the fourth, that of course being
bankruptcy.

2. The first form of credit card debt relief will come in the
way of debt settlement. Through negotiations, the
principal balance of your debt will be reduced. A
consumer would not only save a considerable amount of
money from the original debt being lowered, but they also
would get out of debt much sooner than planned. This is a
popular form of credit consolidation that has many
benefits with just a few disadvantages.

3. The second option on our list of ways to find credit card
debt relief is through debt consolidation. Basically, you
will take out a loan from a bank at a much lower interest
rate and then proceed to pay off your credit cards that
have a much higher interest rate. Without going into great
details in order to save time, a consumer would not only
save money because of the lower interest rates, but they
would also get out of debt much sooner as well. This type
of credit consolidation is not as popular as it once was
since the banking industry has made it more difficult to
secure loans for this purpose.

4. Getting credit card debt relief can also be done through
credit counseling services. Often referred to as debt
management, these services will help lower your interest
rates as well as shorten the amount of time it takes to pay
off your credit card debt. Though they are generally not
negotiated on individual bases, you will still find them
much lower than the rates you have been paying. Using
this method, a consumer will be out of debt within 60
months. This particular method of credit consolidation is
still very popular with consumers for many reasons.

5. As we stated earlier we are not going to talk about
bankruptcy here, as we believe there are much better
alternatives that people should check out first if they are
seeking any kind of credit card debt relief. As I'm sure you
have noticed we did not get into any specifics here, just
the very basics. There is simply way to many benefits with
each of these programs to properly list here while trying
to keep this as short as possible. And yes, there are a few
disadvantages as well. It will be up to every consumer to
take this further as far as doing the proper research goes.
If you are experiencing financial hardships due to high
credit card debt and are looking for help then you owe it
to yourself to investigate any one of these credit
consolidation methods.

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