The average American household wastes well over $100 a month in credit card interest.

For true Christian debt help, go to your church.

Which form of plastic do you want to swipe?

They’ll promise to consolidate your debt in under half an hour or negotiate a lump-sum payment to reduce your debt by 50-70%.

A debt management program works by gaining creditor concessions on your behalf so that you can better afford minimum payments.

Though an automatic stay is usually automatic, it's not permanent.

Debt settlement companies will promise you many things: stress-free settlements, no upfront payments, or 80% reductions in your debt.

Make sure it's "https," not "http."

Credit counseling is a requirement of most major credit card companies if you want to qualify for their lowest payments.

Here are some companies you can check out.