There are no guarantees on how much you can save on settling your debt, but most customers save a substantial amount and become debt free within 1-3 years, which is a relief to anyone.
Debt relief is serious business, and you need to work with a serious company like Epic Debt Relief to help you with all of your debt settlement issues.
With the right help, anyone can settle debt quickly and efficiently, which allows you to get back to life and stop worrying about your debt.
While bankruptcy lasts for up to 10 years, debt settlement and negotiation can provide a much more short-term impact on your credit report, allowing you to get back to life.
Why should you negotiate or settle your debt? Here are four great reasons why:

1. Credit cards interest rates are robbery.
   With the high rates that you are given and the even higher default rates if you miss a payment, you'll spend the rest of your life trying to pay off these cards on your own.
   Using debt settlement, you can end the financial bleeding once and for all.
   
2. Emotional distress is common among those with a lot of credit card debt.
   Stress, anxiety, and even sleeping problems can all affect people with a lot of unsettled debt because it is such a burden.
   There are even extreme situations where debtors have been driven to madness and sometimes suicide simply because of the stress of their financial situation.
   Debt settlement can save you from going over the edge.
   
3. Money is the number one relationship problem.
   While many people will say that they don't need money, it's becoming quite the popular cause for divorce, separation, and messy break ups.
   If you have debt, you are not happy, and neither is your partner.
   Therefore, until that debt is settled your relationship is at risk because of the financial strain that is put on the both of you.
   
4. Debt settlement is a great way to get back at your credit card companies.
   The credit card encourages people to live beyond their means, because it's like having imaginary money.
   Someone who lives on $56,000 could easily be living a six-figure lifestyle simply with the use of credit cards.
   Some people get so into living beyond their means that they feel overwhelmed and cannot cope.
   Don't let this happen to you.