The best solution to find yourself get rid of credit card debt is debt negotiation. The first method most debtors consider is the debt relief system of CCCS. This method if taken care of the way it should be will achieve the goal of getting someone out of debt. However in this bad financial system presently many Americans cannot afford to keep up with a consumer credit counseling program. In most cases it will cost close to the same as the monthly minimum payments cost and most consumers realistically cannot afford their minimums each 30 days. Plus if you do not make one payment on a credit counseling program you will be booted off the program and lose the benefits.