Credit Card Debt relief is an extreme solution suitable for serious debt issues. Learn how it works in this Credit Card Debt video. Credit Card Debt relief is the process of negotiating with creditors to accept about half of the total credit card debt you owe. In order to qualify, you must be delinquent on your payments and will probably face aggressive collection attempts. If you choose this option, look for a reputable Credit Card Debt company to ensure your debt is settled fairly.