How to Get Credit Card Relief in 2019

2019 credit card debt relief programs

Credit Card Debt Relief – Why it’s so important to understand:

2019 has not arrived yet, but when it does credit card debt will be well above the highest it has ever been. Right now in 2018, credit card debt has spiked to an all-time high and interest rates have gone up 4 times over the course of the year.

Business Insider recently reported the following:

“According to a study by WalletHub, Americans owed more than $1 trillion in credit card debt in January 2018, for the first time in US history.

Delinquency rates on credit cards have fallen sharply since their peak at 6.77% in 2009, but data from the Federal Reserve Bank of Saint Louis (FRED) reveals that those numbers have been slowly creeping upward recently.”

Here at we’ve spent several months researching what the best credit card debt relief options are, so by the time 2019 hits, consumers are ready to get out of debt and not continue to increase the U.S. total debt amount.

If you can’t afford to stay current on credit card payments, here are your best debt relief options: 

  1. Debt validation is for third-party debt collection accounts. If you can’t afford your credit card payments then eventually your accounts will go to third-party debt collection status. Banks are so fraudulent in 2018 and are only becoming more corrupt, so because of this, you can use a program called debt validation which lets you dispute your debt. You are not saying that you didn’t spend the money, but what validation does is forces your creditors to prove that they are abiding by the federal laws, which they almost never are doing! Companies like Citadel, Actify and Golden Financial, all offer debt validation programs.
  2. Debt settlement lets you reduce the balances on each of your credit cards by as much as 60%, then after adding in debt settlement company fees, you end up paying around 70% of your debt back. Most settlement companies charge between 15%-20% of the total debt amount that you enroll in the plan. Don’t use a company that charges more than this and make sure whatever debt settlement company you choose is one that only charges a fee after your debt is settled, which is required by the Federal Trade Commission rules and regulations.

If you are current on payments, here are your best debt relief options to get out of credit card debt fast:

Dave Ramsey is a true expert on how to get out of credit card debt, and he recommends the debt snowball method. Here Dave explains how to do the debt snowball method:

Inside the Debt Blog, owned by Golden Financial Services, an article highlights the debt snowball option at #1. Golden Financial Service is one of the oldest debt relief companies in the country. Inside their debt blog, they announced the 10 best ways to get out of high credit card debt fast, and here’s the official list:

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