I have to admit that Bill and I are extremely lucky. He has a good job, and we have not ever really been over our heads in debt (college does not count). However, I know a ton of people who need credit card debt relief. Heck, if Bill ever lost his job I think we would be in the same boat as the millions of Americans who have had that happen and watched their bills swallow them whole. In this economy, it is good that there are companies who will walk you through your options such as debt settlement, bankruptcy, credit counseling, debt consolidation, and even just doing it yourself. One size does not fit all when it comes to debt, so make sure you check out all your options.