There are several government programs to assist you in getting out of debt. However, there is one type of debt that the government does not provide relief for, and that is credit card debt.
At present, there are no government plans or programs that can eliminate or even minimize the burden of paying off your credit card balances.
However, there are 501(c)3 non-profit consumer credit advisory services that can work with you to provide debt relief. These institutions are funded by grants from credit card companies. They provide funds to these institutions to help restore customers with excessive credit.