Are you addicted to your credit card? If you are, I only have one warning for you-stop before the debts become unmanageable! This would be the worst problem ever and can cause physical, mental and psychological meltdown. In some cases, it may result to you having to lose some of your most valued assets. Thanks to the Obama administration, you can never go to such extremes. They have initiated a program that seeks to help those facing such problems. In no time, you may have all of your debts restructured and repaid. If this is to happen, you can be sure that all of your stress will forgotten and over.The government has her agents on the web who have undergone professional training. They help by giving the best advice to the victims and avail them with alternative options of dealing with the problem. The internet based government agents discuss with the debtors their current financial problems and give them logical measures to deal with it. The consolidation plans can for instance help you repay the debts on monthly basis which will be much easier to handle. The agent will help you in dealing with all this. The creditors will however be repaid the remaining balance. Negotiation regarding the balance can still be negotiated upon to be lessened. The government agents are employed to save financially struggling citizens to adopt the best financial alternatives and help them to repay the owned debts.The most common, popular and rewarding government service for debt relief is the Direct Loan Consolidation, or DOE. The program was set up in 2009 as an act-The American Recovery Reinvestment Act. It consolidates as well as eliminates large debts incurred by the credit card or mortgage debts. It relieves people who owe debts to several creditors. The program settles debts and negotiates a plan with a lower interest rate. Low interest rates offered helps the debtors repay the money owned to the creditors more easily. In no time, your financial burden will be over and will be free from any other creditors’ debt. The program also benefits in increasing the FICO credit store. This saves you a lot of money and lowers the interest rates as well. Your current status and your future will hence be back on track. The credit cards you use and loans got will also be offered at a lower rate.