What is the best credit card debt solution? Many people believe it to be that of a debt consolidation loan, however for many this is not possible and for those that it is, you may find it to be very risky. Another popular method of debt relief has been credit counseling, however this process can cost way to much money for people in today’s crappy economy. That leaves a great method for many which is debt settlement. A process in which people can save a tremendous amount of money and become debt free in a flash as compared to how long it would take them through the creditors payment scheme.