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Getting out of debt, especially credit card debt, can be a very difficult task and the stress that goes along with it can be even more taxing. Credit card debt can lead to issues with relationships and family, and has even been known to cause depression. The average number of filings for bankruptcy by businesses and individuals over the past five years was 1.32 million per year. Luckily, there are several options that can lead to financial stability and a stress-free financial situation. There is not a one size fits all solution, so knowing which option works best for you is important.