To get out of debt quickly you must hire a debt negotiator. Now there is one extremely good way to get rid of credit card debt quickly and save money, this is debt settlement. This method allows families to become debt free as short as three years or perhaps and save a enormous amount on the debt they owe. Many situations a consumer will end up saving in the ballpark of 40% of what their present debt amount is as of this moment. The single drawback to this method is that you need to fall behind on the monthly installments to make the creditors willing to work out a settlement.