You can reduce your credit card debt and unsecured loans with a debt consolidation program or debt management program.  The main objective of these programs is to eliminate a part of principle or reduce monthly debt payments.  During these programs, debt management company negotiates with creditors on behalf of the debtors.

At the very first step, these intermediaries suggest you to improve budgeting of your personal finances.  This way you can determine the amount you can afford to offer to your creditors each month.  Then your debt management company approached creditors to approve the debt management plan.  If they agree, you can send single payment to the plan provider and they will send monthly payments to the creditors.  In addition, when you are the part of these programs, creditors too reduce or freeze the interest rates and other charges to make the plan a success.

You can pay off your credit card debts by following plausible debt relief programs like debt consolidation, debt management or debt reduction..