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Many people have debts of different kinds but do not really know when to ask for help. Many people are there who are having trouble in paying the dues for credit card for several months but do not have an idea regarding this service. Most of the people suffer from credit card debt, which is a form of unsecured debt with high rate of interest. The interest rate is sometimes as high as 40 to 45 percent per annum that is impossible to pay off. This is why you should seek debt relief advice.