Can your average Joe use debt relief respectfully? Then there is one extremely good system to get out of credit card debt quickly and save money, this is debt settlement. This process allows consumers to achieve financial freedom as short as three years or less and save a great amount on what they owe. Most situations a debtor will wind up saving close to or more than 40% of what their present debt amount is as of this moment. The only negative to this method is that you have to fall behind on the monthly payments to make the creditors willing to offer a compromise on the debt.