updated 12/15/2010 2:13:00 AM ET 2010-12-15T07:13:00

Credit card debt relief and debt consolidation programs today offer a historic opportunity for consumers to lower their debt, consolidate, and get on the fast track towards overcoming debt in their lives. With creditors more willing than ever to negotiate debt, now is the time to get started.

Record spending on credit cards is predicted this Christmas shopping season. An enormous credit card debt problem following is all but a certainty. Many children will be insulated from the recession this Christmas though. Gifts they open will cost parents an average of $150, with 11 to 18-year-olds receiving gifts worth up to $400 in many cases.

This credit card debt forecast comes on the heels of a new study indicating U.S. consumers already plunging $6.5 billion into credit card debt in the third quarter, well before the holiday shopping season was underway. Yet though economists still disagree as to which direction the economy is headed, consumers on Main Street who make up the very fabric of society will not feel a recovery by any means until momentum in job growth can be sustained.

Today, however, consumers have unprecedented opportunities to dramatically lower their debt through the use of effective and proven debt relief programs. Over 2 million Americans every year enroll in such credit card debt consolidation and relief programs not only to help lower credit card debt, but also other types of debt such as that from department store cards and medical bills. In short, consumers have options for debt relief from some of the most troubling forms of debt today.

Though consolidation loans and bankruptcy have been options for decades, negotiation types of credit card debt consolidation debt relief programs have become increasingly popular as they do not require home ownership or even a credit check. By working directly with consumers' creditors, today's debt relief programs are helping millions overcome debt and get on with their lives. Today's credit card debt consolidation and debt relief programs work fast and are proven to be effective.

National Debt Relief offers a free debt analysis which can be taken advantage of at their website:

www.nationaldebtreliefprogram.org

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