So what are the avenues that debtors have to get rid of credit card debt? There are in actuality four justifiable legal options in which Americans can use to escape the hole of credit card debt. There is debt counseling programs, debt consolidation loans, debt settlement, and in the end there is a bankruptcy procedure. When you want to get rid of credit card debt increase your cash flow. All of there benefits and their drawbacks, it in actuality depends on a debtors monetary predicament to to aide in figuring out which avenue would be the most beneficial.