Does it seem that you're so far behind on your credit card bills bankruptcy is your only option? Many people have found themselves in a similar situation and have found an alternative way out – you may be able to get out in this way too.
consumer debt settlement is exactly as it sounds. You settle your debt with a credit card company. You can either do this yourself or hire a third party negotiator. In most cases you are able to settle for 50% of the total balance owed. Many times, credit card companies will work with you to come up with a way to pay it in 5 installments. Anyway you can work it out, you have the potential to save a bundle.