Dealing with most American families, credit card debt relief via structures other than Chapter 7 shouldn’t go out that for an extended period of time. Taking into account that everybody’s monetary situation is varied, but tons of situations should’nt take more than 3 years if the program they sign into is the correct one for them. Some plans 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 bankruptcy is seriously your most sensible option.