For the most part the catastrophe and bursting of the housing industry is responsible for a large piece of the economic madness across America, credit cards are just as responsible. Credit card debt has been climbing for decades and is simply growing worse during a time of such dire straits. More than ever, people were forced to charge away, for the most part due to the declining of the job market. Most people are surviving because of their credit cards. Unfortunately, that will simply go on for so long before it puts you in a corner like a cat. Many debtors locate themselves stealing from Peter to pay Paul by paying one credit card bill with the next. Credit card debt relief is a very slow process, no matter which route you choose.