People feel emotionally bided to money, but use credit card rigorously. The credit card stimulates people to spend much more than they would have without credit card. The behavior leads to credit card debt accumulation and leads one in problem.

Credit card debt management is offered by many companies like consolidated credit card debt. There are various non profit organizations working for the cause like debt management programs. They work for elimination of your debt and save maximum possible for you.

Loosing a job, or an accident may prevent you from your monthly income and thereby incapability to pay your monthly installments, which keeps adding up by accumulation. Companies do offer settlement as credit card debt relief since they don't have much option before the user declare himself bankrupt due to incapability to pay anymore. Thus the person benefits from saving and paying less. And the company benefits from getting out something which was in risk as well.  
There are many credit card debt calculators available online where you can put debt, interest rate of bank and time frame to calculate when you will get free from debt. It's a helpful tool which can be used for better planning.

Credit card debt consolidation is a common problem credit card carries much more interest than an unsecured loan, which leaves to high interest and thus high amount being repaid as a result. Thus whenever its possible paying off all debts are always better which can be done with the help of an advisor.