David Lorenson is a senior debt solutions consultant with Debt Relief Educational Services (DRES) DRES provides a program that is the #1 Alternative to Bankruptcy and Refinance. Learn how to reduce your credit card debt by 75% or more. This program eliminates credit card and unsecured personal loans legally, ethically and morally. See his website at http://www.4creditcardhelp.info. David is the author of many other related debt solution option articles.