There are a large number of tools available for debt relief. Your efforts at fighting Credit card debt commence with debt counseling. Minor debts can be taken care of by debt consolidation. However, debts bigger that $10,000 will need special treatment. You need to decide if you will go in for a debt settlement or file for bankruptcy. Bankruptcy will leave you scarred for a very long time. You will not be able to get good credit that you deserve so much.