If you are among the millions of Americans with overwhelming debt and financial obligations, you may be considering filing for bankruptcy. Before you decide to pay a lawyer thousands of dollars and ruin your credit score for up to ten years, you will need to think about a viable method available that can help you clear credit card student loan debt relief without bankruptcy.

As the bank card companies don't want you to know about them, you'll find several systems available that will legally erase your debt through credit-card debt resolution.

If you're reading this article, chances are you are already short on cash and credit, so price is obviously a consideration. The great news is that these card debt resolution programs are significantly less costly than hiring a bankruptcy attorney.

While a lawyer can cost thousands and thousands of dollars, these systems are much more affordable and come in two varieties:

Debt Settlement Companies - If you aren't disciplined or do not have the time to deal with all of the legal complexities and forms that are necessary to make use of 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 around a couple of hundred dollars to a few thousand dollars depending on your debt as well as the services required. Be aware of that the most expensive debt settlement companies are still less expensive than filing bankruptcy and also your credit will not be stained for up to 10 years as it might be if you filed bankruptcy.

All of the reputable companies will give you a no cost quote and a free consultation before you have to pay a dime. They will look at your personal situation and walk you throughout the debt settlement process.

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