Too many people choose the wrong kind of credit card debt help. They deceive themselves into believing they can manage a debt management payment plan, or they can afford to begin a lump sum debt settlement savings plan (where they skip their monthly payments to bank that money with a debt settlement firm to one day offer a final lump sum settlement amount).

Are you looking for ways

? Can you afford to pay your monthly credit card statements or not?  Or more basically, are you actually willing to face the truth and make that decision?  Is it easier for you to just  sacrifice monthly essentials to make a credit card payment to avoid debt collectors and collection attorneys should you go into arrears?

Credit Card Debt Help

Many people have refinanced their homes to take out equity for credit card debt help, only to lose their home to foreclosure because they could not afford the higher monthly mortgage payment.

Are you worried about your credit rating?  The way to avoid sacrificing monthly essentials, bankruptcy and real credit problems is to make a surgical decision to stop credit card payments to right your financial ship.  Three years after I stopped paying $63,000 in credit card debt, I was able to secure an auto loan for a new car.  The payments you DO make offset the credit card debts you do not pay on your credit report.  Your credit rating damage is temporary if follow these tips

on how to get rid of credit card debt

.

If you cannot pay, you are not alone.  According to creditcards.com, Fitch Ratings reported the number of credit card defaults was 11.52 percent in September 2009.  That is over ten million people for debt collectors to chase.

Credit Card Debt Education

The reality is debt collectors and collection attorneys only chase the people they think they can collect from.  They work on commission.  They do not want to waste their time with a consumer who owes but cannot afford to pay, and who knows how to respond to them in writing.

I teach people how to respond to debt collectors and

how to get rid of credit card debt

.  As I learned, it can be a useful life skill.

I am in this space because I have found few professionals like me who provide useful free information,teach how to get rid of credit card debt, who are not trying to charge large fees for help they only promise, and who offer a money-back guarantee on any fees charged.

Finding credit card debt help is a learning experience. Get started with my free Seven Dangers of Not Knowing How to Deal with a Debt Collector. To learn how to get rid of credit card debt.