Before we discuss credit card debt help, we first need to discuss the two ways that people get into debt.

The first is that people spend more money each month than they earn.

In this case, the person is living beyond their means and financing their lifestyle using credit cards.

For this person, before seeking consumer debt relief, they first need to make a decision that they will live within their means, or else they will create the problem again.

It can be hard for a person to define themselves as less affluent than they thought they were.

However, it is only when a person is realistic about the lifestyle they can afford that they will spend less money every month and find debt solutions.

In the second case, a person may not live above their means, but may have a catastrophic failure that they cover with the use of credit cards.

Ideally, one would have an emergency fund that could cover a catastrophe without going into credit card debt.

However, I can assume that if you are seeking debt advice, you have already had to deal with a problem and you are now seeking credit card debt help.

There may be options for consumer debt relief, although it may also be necessary to adjust your lifestyle while you pay off your debt.

For a more detailed discussion of credit card debt help and living the right size, please refer to Eliminate Credit Card Debts.