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Nearly 37% of credit card holders in the Unites States are carrying a credit card balance over $10,000.00. (source: myfico.com). Of US consumers who have credit cards, roughly 28% percent of them are having trouble paying off their credit card balance (source: Javelin Strategy & Research, 'Credit Card Issuer Profitability in a Difficult Economy,' July 2008).

Are you part of the 28% struggling with making payments and trying to get out of your credit card debt? Do you need a Credit Card Stimulus Package for yourself? A lot of your fellow Americans do as well.

The good news is there are multiple options available to the US consumer to provide stimulus to get over the debt that has threatened to take over their finances. One such option is utilizing a debt settlement company to built a plan to get your finances back on track. A reputable debt settlement firm will work with you to create a plan to meet your obligations, and may even be able to provide assistance in lowering your actual debt. While not for everyone, the fact remains a debt settlement company may be able to provide you the ability to get free and clear of your debt once and for all.

As the holiday season nears, more and more consumers will turn to high interest credit card products to finance their holiday purchases. The result? More debt and more stress. Maybe now is the time to review all your options and take that step to financial freedom. It's a difficult step to take, but it's one that millions and millions of Americans are taking each year.

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