Getting out of debt has never been so easy as it is today. Coming third is the option of credit card debt settlement. When you enter into a credit card debt settlement program you are attempting to negotiate a one time payment to your creditors at a much reduced number than what the balance currently is. The advantages of this are that when you obtain a debt settlement you will in turn be saving quite a big amount of cash, plus you will be getting off the credit treadmill rather fast. Especially when you compare how many decades it will take to get rid of credit card debt through the creditors minimum payment process.