Credit card users looking to qualify for debt forgiveness this August should avoid these three missteps right now.

A credit counseling agency can help you create a debt management plan, for example, and they may negotiate lower interest rates and fees with your creditors, making your payments more manageable.

Owing a lot of money on credit card debt can be very frustrating, and it can also create serious problems for your finances, ...

Hardship programs vs. debt management plans. Credit card hardship programs are ideal for balances that can be paid down over a few months. Terms vary by issuer, and relief is generally granted on ...