Credit card debt is the worst of all nightmares. A successful credit card debt settlement is like getting a new lease on life. All those nagging phone calls and notices will become history and all that surmounting tension would be gone. That is why credit card debt settlement is so essential.

You can approach debt settlement in 2 ways. You can either do it yourself debt settlement (which I recommend)or you can take advice from a credit counseling company or a debt settlement company.

Do it yourself debt settlement, is by far the fastest and cheapest way to go about debt settlement. Is it the easiest in my opinion, yes. Because I am the one calling the shots. Meaning I don't have to rely on some guy in an office somewhere in Boise, Idaho with 321 other credit accounts to step up to plate for me. By the way I randomly picked Boise Idaho. But you get the point. Plus the the greatest thing is not only am I saving thousands of dollars doing it myself, but it makes me responsible for MY own financial status.

The other way is paying a debt settlement company to do it for you. There are hordes of people and companies that advertise credit card debt settlement in one day or something of that kind which will look just fantastic. Such credit card debt settlement offers/advice are generally not genuine. Plus know that debt settlement will not happen over night. So, beware of the agencies offering miracles.

While there may be legitimate debt settlement companies available who will not only give you genuine credit card debt settlement advice but will help you through the entire process, it could be costly. Some charge an upfront fee and others charge you a percentage of how much they save you.

Your future plans are important and creating a plan, mindset, and lifestyle that will keep you out of debt is just as important as the debt settlement process.

Create a plan to start over, and new beginning if you will. The Money Mastering Mindset is not just reserved for the affluent Richie riches of the world, its meant for you.