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If you're one of the millions of Americans with overwhelming debt and financial obligations, you may be considering filing for bankruptcy. Before you pay an attorney thousands of dollars and ruin your credit rating for up to 10 years, you need to consider a viable method available that can help you clear credit card debt without bankruptcy.

While the credit card companies don't want you to know about them, there are several systems available that can legally erase your debt through credit card debt resolution.

How Much Will It Cost
If you're reading this article, chances are you're already short on cash and credit, so price is obviously a consideration. The good news is that these credit card debt resolution programs are significantly less expensive than hiring a bankruptcy attorney.
While an attorney can cost thousands and thousands of dollars, these systems are much more affordable and come in two varieties:

Do-It-Yourself Programs:
There are several systems available that clear credit card debt without bankruptcy and don't require you to hire anyone at all. Rather, these systems have been designed and created by credit card debt lawyers to help you legally erase your debt and cost a small fraction of what a debt settlement company charge.

These Do-It-Yourself credit card debt resolution programs typically cost between $50 and $100. They come with all of the forms and letters you will need to contact your creditors and resolve your debts without the aid of any legal professional.
These systems are ideal for people who are disciplined and can follow detailed, step-by-step directions. In fact, these systems provide you the exact steps and forms a debt settlement specialist would use.

Debt Settlement Companies:
If you aren't disciplined or don't have the time to deal with all of the legal complexities and forms that are required to use a Do-It-Yourself credit card debt resolution system, then a debt settlement company will be your best choice to clear credit card debt without bankruptcy.
These companies charge anywhere from a few hundred dollars to a couple thousand dollars depending on your debt and the services required. Keep in mind that the most expensive debt settlement companies are still less expensive than filing bankruptcy and your credit will not be stained for up to 10 years as it would be if you filed bankruptcy.

All of the reputable companies will provide you with a free quote and a free consultation before you have to pay a dime. They will look at your personal situation and walk you through the debt settlement process.

These companies are a much better choice than bankruptcy and having a professional to take you through the entire process can be invaluable. These systems are the best way available to legally erase your debt.