With the current credit squeeze we have all been to some level experiencing many are left swimming deep in credit card debt. This debt epidemic has made it much harder for people to simply re-finance their estates to pay down debts. Therefore leaving them with fewer avenues for debt relief. One of the more popular methods of debt relief has become credit card debt settlement. This debt settlement [sin]process|method|proceeding[/spin] can help tremendously in getting American citizens out of debt extremely fast, plus save them thousands of dollars too. When compared to the other popular debt relief process of debt consolidation credit counseling. Which in contrast to debt settlement has not even close to the savings of money or time.