Is your credit card debt quickly becoming unmanageable? If you’re struggling with paying multiple credit card bills and have collectors calling and harassing you or sending you letters, it may be time to consider credit consolidation. Credit Card Debt Consolidation, also known as consumer credit counseling, should be one of your first options that you consider when attempting to eliminate credit card debt. Credit card consolidation allows you to combine multiple credit card bills into one single monthly payment. This makes the bill paying process much more manageable. It also reduces the risk of delinquencies. With credit consolidation you get the advantage of lower interest rates, one single monthly payment, creditors may reduce or remove late fees and other charges, and the credit card debt consolidation company will deal directly with the collection agencies. When you enroll in a credit card consolidation program, Golden Financial Services will handle communication with creditors until your credit card debt has been paid off. Remember, credit card consolidation is not for everyone and it important to speak with a professional debt counselor to determine the best debt relief program for your individual financial situation. If you are unable to pay monthly payments on debt, you may want to consider settling your credit card debt. Golden Financial Services can help. With a credit consolidation program, you may qualify for a credit card consolidation loan. Credit card consolidation loans have low interest rates and help you pay off credit card debt in a timely manner. Contact Golden Financial Services to determine the best credit card debt services for you. When you schedule a free consultation with one of Golden Financial Services’ debt counselors, we can help you choose the best debt relief programs for your needs. A debt relief counselor will review and analyze your financial situation and educate you on the various debt relief solutions. With Golden Financial Services, we give you honest and truthful information that is tailored to your specific case. We will never pressure you into a debt relief program that isn’t right for you. If you cannot afford a credit card debt consolidation program, well there are other options. First off, if your creditors are not abiding by the federal laws then you may be eligible to having your debt invalidated, and then removed from your credit or dismissed if you have an attorney representing you. However if your creditors are abiding by the federal laws then your next option could be debt settlement, where you pay back less than the full amount owed on each of your credit cards. Debt Settlement will lower your credit score since you must be behind on your payments for the program to effectively work. With a debt settlement program you will also have only one monthly payment, like with credit card consolidation services. As a last option to eliminating credit card debt, you may want to talk with a bankruptcy attorney, but with bankruptcy it becomes very difficult in the future to use your credit even for simple purchases including renting a home or buying a new car due to the damaging long-term effects that bankruptcy has on your credit report. Bankruptcy is not a good option for resolving your credit card debt, but it may be a viable option for someone who has a mixture of secured and unsecured debt that they are delinquent on, or if you have several lawsuits from creditors that sued you. Bankruptcy at times, may even be used as a debt relief option to save your home from foreclosure. Basically, only file for bankruptcy if it is your last resort, and you cannot qualify for debt settlement or credit card consolidation services. Golden Financial Services has been a leading provider of debt relief services since 2004. Over the past six months, Golden Financial Services has negotiated 14,945 settlements equaling over $96 million in debt. We have maintained an A+ Rating with the Better Business Bureau, and have zero unresolved complaints over the last eight years.