When credit card debt feels unmanageable, some borrowers look for ways to change the terms — but is that possible?

"Debt relief" is a broad term, and it can refer to everything from negotiating with your creditors on lower rates and fees to enrolling in a structured debt management program. Each option promises ...

The term "debt relief" or "debt resolution" generally refers to several ways you might restructure debt to make it more affordable. Debt relief options include debt consolidation, debt management, ...

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When you’re having trouble paying a credit card bill due to circumstances beyond your control, some credit card issuers may be willing to work with you through a hardship plan. Once a well-kept secret ...

Most adults in the United States (81%) have at least one credit card, and Americans' total credit card balances broke a new record—more than $1.3 trillion—in July 2025. Credit card debt can be a ...

Debt relief is an umbrella term used to define the many options and programs that can help you manage your debt payments or even reduce the entire amount you owe. “They include debt settlement, ...

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Could your debt be reduced or forgiven? Take our financial relief quiz. When you’re dealing with a mountain of debt, it can be hard to envision digging your way out of it. Considering that Americans’ ...

I'm a freelance financial journalist and a regular contributor to U.S. News and CreditCards.com. I've written for Life + Money by Citi, Bankrate and The Balance, among others. You can find me on ...