Over the past year, I have allowed my credit card debt to get out of hand. My payments are becoming too much to manage, and I'm exploring options to ease the financial stress. With $27,000 in credit card debt, I am considering using National Debt Relief to negotiate with my creditors and get me out of debt in 24-36 months at a much lower fixed payment. I own my house, all my vehicles, and have no need to take out personal loans in the foreseeable future. I understand that my personal credit will be essentially destroyed and take years to rebuild.