Believe it or not, you're not alone in your debt; millions of Americans are experiencing the recent financial recession, and feeling the negative impact on their finances. Plus, there are also the people who were already dealing with credit card debt beforehand! Debt advice is a very important resource right now. Credit card, and other types of debt are so stressful, and it can seem like there's no way out of this anxiety inducing issue. But force back a wave of frustration, and open your eyes. You'll need them so you can read this great free debt help for reducing your debt!

Read the credit debt help below, and soon, you'll see the clouds parting, and a brighter sun shining down on your path to better finances.

• The first and most important thing you can do is, work smarter, not harder; someone everywhere always uses that as a favorite saying, and it definitely applies to your credit card debt settlement situation. Begin by getting a free copy of your credit report from each of the major credit agencies, and reviewing each carefully. Check for errors, or inaccurate entries, as well as accounts that you have already achieved debt settlements in, in the past. Make a careful list of all, if any, inaccuracies on your credit report.

• Next, approach the different businesses, such as mortgage lenders, and utility companies, that you believe have made an error in your credit report. Discuss with them any inaccuracies, and ask them to point out any information that you don't understand. Ask plenty of questions, because you won't find the answers about your personal finances anywhere else. This will also work in your favor while you're trying to eliminate credit card debt.

• Separate the companies and accounts that are past due in payment; the ones who are willing to negotiate payment plans, and the ones who aren't. Since most companies are more than willing to negotiate to make payment easier, the second list should be shorter. These are the companies you will have to pay first, and fast. Also, consider getting credit debt counseling.

• Last but not least, it may surprise you, but the federal government is also willing to give you a hand with your debt issues. There are debt consolidation loans available, for example, that allow you to pay off all debts, and then pay back the money you owe at a later date, when you're more financially secure. There are also federal grants available; free money that you never have to pay back! There are also many free government bankruptcy credit counseling programs available as well.

With all these suggestions, and valuable advice, you can once again or maybe even for the first time, feel more confident about your personal financial circumstances. Now that you know how to reduce credit card debt, all you have to do is take the first step. And the best part of this is, you don't have to pay a middle man, or go through bankruptcy. These are all steps you can take on your own time, and in your own way.