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Other than chapter 7speediest method to get rid of credit card debt. Americans must realize that a credit card debt settlement plan isn’t for everybody. Each person’s predicament is different and it should be a conditional choice. Do not get into a program just because you enjoy the feel of it or you heard that it worked for somebody else. Go through all of the methods on the market and take a good look at how debt settlement can help you. After you find out that credit card debt settlement is the most advantageous resolution to your financial problems, you should be in position to get rid of debt in no longer than three and a half years. Typically, that is the longest duration of time that a debt settlement plan should take no matter how bad the predicament is. Certainly there are a couple of exceptions, but if you find yourself being enrolled for any longer than that, it probably is not for you.