A good credit card debt relief process is not all that hard to come by. The primary method most debtors think about is the method of debt consolidation consumer credit counseling. This method if deligated the way it’s meant to will get the job done to get someone through these rough debt problems. But in this bad financial system right now the vast majority of people can’t afford to keep up with a consumer credit counseling program. In most cases it will cost around the same as the monthly minimum payments cost and a lot of people realistically cannot afford their minimums every month. Beware if you miss one installment on a credit counseling program you will be kicked off the program and lose the pluses of paying on a low interest rate.