If you have massive credit card debts and feel like bankruptcy is your only option, think again. There are legal ways to settle bad credit card debt and here we explore the most popular methods.

The passage of the new debt relief laws have created several options. There are a few things which consumers can use as a checklist to make sure a debt relief company is legitimate. Here we will take a look at the top 3 things to look out for.

The Debt Settlement Relief Act was recently passed and now consumers won't have to pay any fees to debt relief services until they reach a successful settlement deal and eliminate at least 35% of your unsecured debt.