Eliminating credit card debt featuring “legal nonpayment strategies for those who cannot pay” sounds questionable. But, Mel Thompson, the author of the Credit Card Debt Survival Guide, put his credit card debt behind him when he could not pay it, and he shows anyone who reads his book how they can do the same for themselves.

This may sound like another credit card debt relief scam, but it is not. All the author’s facts and recommendations are attributed to the original sources with links to main stream media stories and web sites.

The conventional way to eliminate credit card debt is to work with creditors to negotiate a lump sum or monthly payment settlement. This guide covers these usual methods first. Then it explains all the debt consolidation, settlement and elimination scams used by debt relief firms to cheat debtors. There are detailed chapters for overcoming debt collectors, winning court action and arbitration, finding help and credit repair. Readers can take what applies to their situation and put their credit card debt behind them without paying it.

While some readers may be initially intimidated by the guide’s 240-page length, the quick links in the 76-item table of contents make navigating the information easy. On the other hand, the book has enough detail to cover most specific legal credit card debt elimination situations. The author makes the effort to attribute information to third party credible sources, providing live links to relevant web sites and original consumer forum postings for further investigation. As Credit Sabre, Thompson spent months monitoring those forums to add other credit card debtors’ experiences to his own.

To legally eliminate credit card debt, the author emphasizes how important it is for consumers to first lose self-defeating feelings of guilt, shame and helplessness by digesting the information presented in his guide.

The Credit Card Debt Survival Guide is at http://www.credit-card-debt-survival.com for $47.00. The author offers a no-questions-asked 90-day money-back guarantee. In addition new readers get the Credit Card Debt Survival Newsletter and free updates for six months.

Will Manning overcame credit card debt he could not pay with the Credit Card Debt Survival Guide.

More and more people are finding themselves in over their heads financially, as prices rise, the economy slows and job layoffs abound. If you are one of these people you may be feeling that your life is spinning out of control. Finding a solution to your problems may seem impossible, but there is a solution available for everyone and it may include such options as credit counseling, debt consolidation, debt settlement or, when absolutely necessary, bankruptcy. One of these options will work for you and help you get back on track.

Some people believe that filing bankruptcy is the best solution. But, it really should be the very last option after trying all others. A bankruptcy on your credit report will follow you for long after and affect all of your financial decisions. Seeking debt consolidation and debt settlement is the best first course of action.

By approaching overwhelming credit card debt via credit counseling will enable you to find assistance and expert guidance in how best to handle your debt. If you have multiple credit balances to pay each month, a debt consolidation service can work with credit card companies on your behalf to manage your debt load. A debt consolidation service can assist you in a couple of ways.

First and foremost they will negotiate with your creditors for lower interest rates. They will then act as a clearinghouse of sorts because you will be making a single monthly lump sum payment to the debt consolidation company who will then distribute payments for you to the individual credit card companies In the agreed upon amounts.

Debt consolidation services are able to work much more easily with credit card companies than you could as an individual because they have developed an ongoing relationship. They have experience and know how the credit card companies work and what they are willing to do.

Another option to consider is a debt settlement service. They work a little differently. A debt settlement service will negotiate with your creditors to lower your actual balance. If for example, you owe a credit card company $25,000, a debt settlement service may be able to get a percentage of your balance forgiven and reduce the debt to $15,000.

To the consumer this seems like an astonishing concept. But when you see the big picture it makes sense. If a credit card company insists you pay an amount you cannot afford, it may force you into bankruptcy and then they will receive nothing from you. So receiving $7,000 from a consumer is far better than receiving $0.

Debt settlement and debt consolidation are two services that can be extremely helpful in managing your debt and regaining control of your finances. When you look for such a service, be sure and verify the reputation of the business. Verify that they have a solid record of helping their clients. A good company will be able to do more for you than you may be able to do for yourself.

Verify the debt solutions company you are considering with the Better Business Bureau (BBB) and do not hesitate to ask questions. A reputable company will keep you well informed of each step in the process.

If your debt is quickly becoming unaffordable then take back control with these debt solutions by taking advantage of the tips and information available at www.debtconsolidationhelpquote.com.