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	<title>Credit Card Advice &#124; CreditCardAdvice.com &#187; debt consolidation</title>
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		<title>Over Your Head in Credit Card Debt?</title>
		<link>http://creditcardadvice.com/over-your-head-in-credit-card-debt/</link>
		<comments>http://creditcardadvice.com/over-your-head-in-credit-card-debt/#comments</comments>
		<pubDate>Tue, 10 Feb 2009 15:27:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Featured Article]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card advice]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt management]]></category>

		<guid isPermaLink="false">http://creditcardadvice.com/?p=121</guid>
		<description><![CDATA[<a href="http://creditcardadvice.com/over-your-head-in-credit-card-debt/"><img src="http://creditcardadvice.com/wp-content/uploads/2009/02/credit-card-debt-150x150.jpg" alt="" title="credit-card-debt"  class="alignleft size-thumbnail wp-image-122" /></a><p></p>If you have gotten over your head in credit card debt you are not alone. According to the FTC, there are four basic methods you can use to assist you with this: Credit Counseling, Debt Management Programs, Debt Consolidation, or Bankruptcy.  While bankruptcy should only be considered only as a last choice, let’s review the first three programs that may be of significant help to you if you are in debt.
1) Credit Counseling:  By selecting a reputable credit counseling service and talking with certified counselors, you may have the opportunity to learn how to budget properly and maintain...<p class="readmore"><a href="http://creditcardadvice.com/over-your-head-in-credit-card-debt/">Read More &raquo;</a></p>]]></description>
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