Since credit card debt is one of the leading causes of bankruptcy filings these days, many people are looking for methods of credit card debt reduction. The problem is, there are many plans out there, and weeding through the scams to find the legitimate plans can be difficult. Clearly, the ones consumers can work out themselves are the safest, as long as the consumer can be consistent and complete the plan. Taking out a personal or secured loan with a lower interest rate is one method, although that is getting more difficult these days, as well. Finding a debt reduction company to manage debt, negotiate with your creditors for lower rates, or transferring credit card debt from one card to another can be fraught with problems. In addition, many debt consolidators are scam artists looking to charge high fees for services they can't provide. If you are in serious credit card debt, there are legitimate solutions, up to and including bankruptcy, but you should consult an attorney to learn which solutions are legitimate answers for you.