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Do not allow yourself to be effected by the recession. So what are the best methods that debtors have to get rid of debt? There are actually four legitimate legal methods in which US residents can use to evade the cage of credit card debt. There is credit counseling, debt consolidation loans, credit card debt settlement, and last there is a bankruptcy proceeding. All of these debt relief processes have there ups and downs so, it in actuality depends on a persons monetary state of affairs to to aide in figuring out which avenue would be best.