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Debt settlement can be the right option for unsecured debts like the credit card dues or any unpaid bills. This kind of debt will have a higher rate of interest. Hence, it is important to prioritize the debt and the creditors list and repay them accordingly. It is the quickest and inexpensive form of settling the debts. This type of debt settlement plan can help to become debt free in 12 to 36 months. This will certainly save your foreclosure and bankruptcy filing.