According to CardWeb.com, a publisher of credit-card information, the typical U.S. household with at least one credit card is burdened with nearly $9,200 in credit card debt.

Facing that much debt can be extremely stressful. It can also be hard to pay off, especially in today's economy when many cardholders have either lost their jobs or feel that they may be out of work at any moment.

To help eliminate this debt, many cardholders turn to debt consolidation. It's easy to see why: Turn on the radio, flip on the TV or log onto the Internet: Debt consolidation companies will be advertising their services.

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