Family issues corrode financial matters
Dealing with most consumers, credit card debt relief via structures other than Chapter 13 should not take that long to achieve. Taking into consideration that everybody’s money pickle is personal, but tons of situations should not take more than 3 years if the plan they enroll into is the best one for them. A program in which it will take that long means either there is a more wise program you can find that will meet your needs, or that Chapter 13 is seriously your best viable option.