If you truly want to be "Debt Free" then enrolling with a debt settlement program is a good way to go. You basically only have 5 options to get out of debt. 1. Pay it back on your own, but if you are paying close to the minimums you will not really get anywhere and it will take you years to pay it off. 2. Get a Loan, which is not really getting out of debt. It's just shuffling paperwork and moving the debt load around. 3. Consumer Credit Counseling agency, which will destroy the credit. 4. Debt Settlement and 5. Bankruptcy.
Out of all the options above the fastest cheapest way to do it is Debt Settlement. However, the industry is flooded with pop-up companies right now preying on consumers. The best thing to do is check the Better Business Bureau ratings and make sure the company is full disclosure. Being "full disclosure" means the company will tell you the good, the bad, and the ugly. There are questions you can ask that will weed them out. I hope I've helped you.
