Surviving the credit crunch has not been easy for everyone. So what are the methods existing to these people wedged in credit card debt? There are actually three procedures someone can do; there are debt consolidation loans, CCCS programs, and then debt settlement program. All of the above can lend a hand to people trying to improve a ghastly debt situation. Let us inspect all of the above and see if one of these credit card debt solutions can work for you.