The right type of debt relief could be a big help for your finances, but you'll have to qualify first. Getty Images/iStockphoto

Credit card debt has become a serious problem nationwide. The total amount of credit card debt in the U.S. recently topped $1.2 trillion , the latest record-high level, and the typical cardholder is carrying nearly $8,000 in unpaid credit card balances . Delinquency rates on credit card payments are also rising, and average card APRs remain high at around 22%, meaning your credit card debt can quickly spiral out of control if left unmanaged.

As a result, juggling multiple payments while interest and fees pile up has become stressful and exhausting for many cardholders, who are now looking for ways to get rid of what they owe. There are plen

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