The debt relief industry is growing every day. Millions of Americans have debt issues; many are overwhelmed with credit card debt, which is why they seek out credit card debt relief agencies. These people will help negotiate lower interest rates in exchange for a regular monthly payment. Usually, you'll send your money to the credit card debt relief agency and they will disburse it to your creditors. You'll still get statements and you'll watch your balances drop until they are ultimately paid off. Generally, these agencies are reputable and will truly help you get your debt down to a manageable level.