Suggestions for Dealing With Credit Card Debt

In an article titled "Weighing the Options with Credit Card Debt", Tara Siegel Bernard writes for Saturday's New York Times about the options available to consumers to deal with credit card debt.

The list of options she recommends isn't long:

1. Call your card issuer - and do it yourself. Issuers have alternative repayment plans available - but they may also reduce current credit limits to the amount of debt currently outstanding.
2. Find and work with a credit card debt counselor. A legitimate counselor should be able to negotiate a credit card debt management plan with the credit card issuer. Focus on finding a legitimate one.
3. Work with a debt settlement company - but be very, very careful.
4. Bankruptcy.

That's it. Have other suggestions - add your comments!