Now there is one very nice program to get rid of credit card debt efficiently and save money, this is credit card debt negotiation. This procedure allows Americans to become debt free within as little as two years or less and save a enormous amount on what they owe. Most times a consumer will end up saving in the ballpark of 40% of what their current debt amount is as of enrolling into the program. The one downside to this method is that you need to fall behind on the monthly payments to make the creditors willing to negotiate a deal.