So what are the solutions offered to these debtors jammed in consumer debt? There are in actuality three solutions a debtor can do; there are secured debt consolidation loans, CCCS programs, and then debt settlement program. All of which can assist to individuals trying to alleviate a terrible debt situation. Let us observe all of the above and see if one of these credit card debt solutions can be of assistance to you. Lets all escape this mess as one.