http://www.debtcounselingexplained.com/get-out-of-debt/get-out-of-credit-card-debt/ You can get out of credit card debt if you want, and the programs out there can help. While it may seem impossible to get out of credit card debt, the trick is to pay principal down as fast as possible, with the lower interest fees that you can get, which is where these programs can help. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Swimming in Credit Card Debt American owe more than ever, and the desire to get out of debt has them playing games, transferring balances, and other short term solutions. While balance transfers may help reduce interest in the short term, unless you apply those savings to the balance, they will not help you get out of credit card debt. The only reliable way to get out of credit card debt is a major change to your spending, so that money doesn't flow out faster than it flows in. Millions do it each year While you aren't alone, that isn't an excuse. You are responsive for your debts, so you need to make the changes to your life so that you can get out of credit card debt in the years to come. Whether that is through debt negotiation, debt settlement, debt management, or just spending less and paying back more, you can get out of credit card debt, and if you are determined, then you willget out of credit card debt. Sat, 26 Jul 2008 15:00:00 EDT