More now than ever we here in America are facing a severe debt crisis, with the economy in the tubes we Americans have hit a record high in unsecured credit card debt.  A method of debt relief many have been turning to is debt settlement.  This process is the fastest way something can get out of debt without having to file for bankruptcy.  In most cases a consumer will save themselves around fifty percent of what they currently owe to the creditors and find themselves out of debt within two to three years.  If you family is having a rough time making the monthly minimum payments every month and are barily putting food on the table then debt settlement may be a very good solution to your financial problems.