The recent economic problems caused a lot of people to use their credit cards more frequently. It was a question of survival for some as they lost jobs or other severe financial difficulties. These unfortunate people are now faced with staggering credit card debt. The load is made worse every time a payment is missed, because penalties are tacked on to already heavy burdens. There doesn’t seem to be a way out but there actually is an escape. With the right kind of guidance a person can once again regain financial wellness.