There are so many people in trouble with their finances and a lot of it has to do with credit card debt.  Credit cards have become a necessary evil in some ways with the economy tanking like it has.  People are losing their jobs, their houses and their credit too.  Bankruptcy is one answer but credit counseling is another.  Before you just give in and file bankruptcy, let me suggest you do a search of the Internet and find out what other help is available.  There’s a lot more out there than you think.  It just might not only save your credit, but a bit of your sanity too.