There's no quick fix for damaged credit ratings, only the slow march of the calendar as the credit reporting agencies wipe away the most deleterious credit card debt marks one by one as state government mandated statutes of limitations come into play.  With that in mind, stay well clear of any debt relief operation that promises to somehow refurbish credit scores through any method beyond the line by line examination of credit reports to ensure that the information presented by the bureaus is thoroughly accurate and in keeping with the local regulations legislated to oversee your state of residence.

However, even if there's no swift and trouble free way of immediately reshaping your credit (no matter the cost that you are willing to pay), there are some tangible benefits to be seen for those borrowers who have allowed their credit card debt accounts to grow out of control and who have – through shame or fear or helplessly unconscious reflex – already halted communication with the representatives of their lending institutions.

First of all, when it comes to debt relief through settlement negotiation, a continued pattern of hesitation on the part of the borrower (and, especially, a demonstrated unwillingness to pay back the loans without explanation or even comment) would be seen as an asset.  Yes, however counter intuitive the very idea might seem to men and women who have been taught since birth that signing one's name to loan documents would be seen as tantamount to giving one's word of honor, the ubiquity of credit card debt burdens would create a nation of de facto share croppers if not for the enlightened interference of debt relief counselors.

It's a different world, and, strange as it seems, the lenders and bill collectors will be more likely to respect the debt relief settlement efforts of borrowers that have spent some time apart from their financial responsibilities.  Better yet, the further along that the loans go without additional purchases upon the accounts, the closer the credit card debt sums get to the statute of limitations – unique to each state, though revolving lines of credit and similar unsecured obligations tend toward seven years – that would render the past loans unfit subjects for lawsuits of court order judgments.

While only the most desperate and hopeless of borrowers should ever dream of hiding away from the attention of borrowers for so very long a time, the ever ticking clock guiding the chance for lender recompense has nonetheless inarguable powers which debt relief wizards can effectively employ for massive savings through settlement.  After a sufficient duration of time, even the hardiest collection agency will change tactics.  There's an internal logic guiding the economics of fund reclamation that shall at some point force a company to switch gears and focus the energies of their telemarketing labor force upon new clients and brighter possibilities.

Daily phone calls become weekly ones, and, eventually, files are shelved for the occasional flurry of long shot attempts, ever more half hearted.  After a while, the cockiest and most self assured of collection professionals begin to lose faith that their company would regain a solitary dollar recouped from what was, admittedly, a negligible investment in the first place.  At such a point, the entreaties for debt relief negotiation will be greatly appreciated and the settlement will be that much more substantial.