In many minds the explosion and crisis of the mortgage sector accounts for a huge portion of the debt across America, credit cards are just as responsible. Credit card debt has been climbing for years and is simply growing out of control during a time like this. For the first time, debtors have been made to charge away, primarily due to the collapsing of the job market. Many consumers are managing their bills because of their credit cards. Unfortunately, that will simply go on for so long before it places your back against the wall. Most consumers locate themselves robbing Peter to pay Paul by paying one credit card bill with the next. Credit card debt relief is an extremely slow procedure, no matter which route you choose.