Using your credit card to make payments is convenient, easy and safe when compared to cahs but many people don’t realize how easy it is to get into debt. Many people have credit cards (myself included) and most of those people are in debt due to misusing their credit cards and ending up with huge bills and then they don’t know how to get out.

Credit cards aren’t the real cause of these problems. Most of the times, people fall under the impression that if they use their credit cards, it’s not really paying and that they will always be able to meet their bills. More recently, the economical turmoil created by the sub-prime mortgages bubble burst has pushed many to a situation where they can’t make it to the end of the months and use their credit cards in an attempt to solve their problems.

Seeking help from non profit credit card debt consolidation institutions such as DebtGuru.com is one of the best ways to get all of your credit card debt consolidated into one monthly bill, along with reductions in real debt.

Unlike many so-called debt consolidation advisors out there, DebtGuru has a real institution behind it: the American Credit Foundation®:a non-profit consumer credit counseling organization based in Utah who also works as a third-party funds administrator.

As such, the Foundation (bonded and insured with a $100,000 Fidelity Bond) disburses funds, held in a trust account at an FDIC insured institution, to financial institutions nationwide and has certified credit counselors that can help you find a way out of your current debt without resorting to loans or things that would cripple your finances even further.