4 Ways to Help Shrink Your Debt (Deal of the Day)

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Americans are notorious for their ability to spend more than they earn. But now — as the credit crunch continues to cripple the economy — that notoriety has reached epic proportions.
According to the Federal Reserve, total consumer revolving credit, including credit-card debt, stood at nearly $974 billion last November, up from some $770 billion in 2003. Meanwhile, a January 2009 report by the American Bankers Association found that bank-issued credit-card delinquencies hit their highest level in five years during the second quarter of 2008. And consumer bankruptcy filings increased by nearly 33% in 2008, according to the American Bankruptcy Institute and the National Bankruptcy Research Center.
”We’re in a different time than we’ve been in any of our living memories,” says Gerri Detweiler, credit advisor for Credit.com. ”The level of debt that consumers owe is much higher than it’s been in the past, and there’s this big gap in debt solutions.”
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