So what is credit card debt settlement? Many people don’t comprehend much about this method of debt relief. Debt settlement is a method of debt reduction which entails a negotiation with the creditors in an attempt to get a reduction in the balance owed. This procedure can help people save a significant amount of money and can also assist them in becoming free of debt in the quickest amount of time. Usually between two to three years. An additional amazing advantage of credit card debt settlement is that it can be a sweet alternative to having to going to bankruptcy court. For debtors seeking out aide with their debt predicaments the US Consumer Advocate is a debt settlement company that can very nicely help in the debtor attaining their plans of debt freedom.