Having credit card debt does not mean that you are in an inescapable situation for which the only remedy is filing for bankruptcy. There are several other ways to achieve credit card debt relief. If you look at how you accumulated so much debt you will be able to see that it is not your craze for shopping that put you in such a deep hole.
The interest rates may account for half of your debt. Your debt will keep on rising with each month because of the interest rates and you may not realize that you are in deep trouble until it is too late. Interest rates are a slow killer. Therefore, lowering your interest rates can be a dependable way to achieve credit card debt relief. Reduced your interest rates can be attained by negotiating with your credit card provider.