People find themselves in debt for a variety of reasons. When hit with unexpected bills due to an illness, or unable to pay daily bills due to job loss, credit cards may be the only way to make ends meet. It may be the best short-term solution, but debt can rack up very quickly, especially with high interest credit cards. Suddenly, you may be faced with an amount of debt that seems insurmountable. When that happens, there are different debt relief options to consider and which option is best for you will depend on your specific situation.