With the recent credit crunch we have all been to some degree experiencing many are left stuck deep in unsecured debts. This debt epidemic has made it much more difficult for Americans to simply re-finance their homes to pay off debts. Therefore leaving them with fewer methods for debt relief. One of the more turned to strategies of debt relief has become credit card debt settlement. This debt settlement [sin]process|method|proceeding[/spin] can help tremendously in getting people out of debt extremely fast, plus save them thousands of dollars too. When compared to the other well known debt relief method of credit counseling. Which in comparison to debt settlement has not even close to the savings of money or time.