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subject: Credit Card Debt Solutions - What Are Legitimate Options to Get Rid of Credit Card Debt? [print this page]

Credit Card Debt Solutions - What Are Legitimate Options to Get Rid of Credit Card Debt?

Finding yourself in credit card debt is not something pleasant, but there are many people out there that have to deal with this issue and that have found legitimate solutions for eliminating their credit card debt. Now you too can take advantage of these solutions and get rid of your credit card debt as long as you are willing to put in a little effort.

The first reaction that people have when dealing with debt is immediately going to bankruptcy, but this is probably the worst thing you could possibly do. Bankruptcy will not only not get rid of the problem, in will get you in even more trouble, by affecting your credit score and preventing you form getting loan for a pretty long period of time. Instead of running for the first thing you think of, consider doing some research and making an educated choice, one that can genuinely help your situation.

A first such option to consider is debt settlement. This basically reduces your debt by about fifty percent and also gives you a much lower interest level so that you don't have to deal with the added cost of your credit card bill. By eliminating fees, penalties and accumulated interest you are essentially left with paying the original sum you borrowed and paying this back should not take more than four years.

Second, you can choose to use debt consolidation in order to turn your unsecured debt into secured debt and automatically have much lower interest to deal with. This method works by getting a loan to pay off all of your credit card debt at once and then only having to deal with the loan. The advantage is that you no longer have to deal with high interest that tends to accumulate fast because loans are usually backed up with collateral. So you see, there are a lot of thing you can actually do to get rid of your credit card debt without deepening the problem. In a few short years you could once again find yourself on the way to prosperity.

Debt settlement is a viable alternative to filing bankruptcy. Most consumers are able to eliminate at least 60% of their unsecured debt while avoiding many of the negative consequences with filing bankruptcy. If you are over $10k in unsecured debt you will be eligible for debt settlement. To locate legitimate debt settlement companies in your state check out the following link:

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