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Aside chapter 13) bankruptcy, debt settlement is the most rapid method to get rid of credit card debt. Consumers have to realize that a credit card debt settlement program is not for everybody. Each American’s state of affairs differs and it should be a circumstantial decision. Do not enroll in a plan just because you enjoy the feel of it or you know that it worked for someone else. Weed through all of the plans on the market and take a good look at how debt settlement would work for you. Once you figure out that credit card debt settlement is the most advantageous answer to your financial issues, you could be able to get out of credit card debt in no more than two and a half years. Usually, that is the longest amount of time that a debt settlement plan should take no matter how bad off the situation is. Certainly there are a few exceptions, but if you find yourself being signed for any longer than that, it probably is not for you.