What is the perfect solution for getting out credit card debt? Well to be truthful there is not any perfect solution for getting out of debt. No matter what you do it will cost you some money and a commitment to stay focused on your goals. For example, a credit card debt settlement program has a structured plan in place that will eliminate your debt in the shortest time possible. With a good debt negotiations company settling your unsecured debt you will be able to save anywhere from at least 50% or more and be able to do it with less than what your paying in monthly minimums for your credit cards now.