My only reservation was that I did not find a debt relief program earlier than what I did. One more very efficient way that US citizens try to get rid of credit card debt is by going into a consumer credit counseling service. This is comparable to what a debt consolidation loan can bring to the table, however no one is loaning you money in it’s place you make installments each four weeks to the credit counseling organization and they shell it to the credit card companies for you. The main advantages of this avenue are a reduced interest rate and one month to month payment.