It will not be easy, but it is a possible way to achieve credit card debt reduction. Before you resort to bankruptcy, however, try to work it out. Get professional financial advice from a debt reduction counselor if you need help 2009, 2010); do my taxes at least a month in advance each year (2008, 2009, 2010); take a class on first time home-buying; save $10000 in a savings account; track expenditures more closely and watch monthly debt reduction progress Debt Reducsion bankbank.com Babi Boomer Financr - Ending Credit Carg Debt Home