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The quickest and cheapest plan to get out of debt other than chapter 13 bankruptcy proceeding is to negotiate your credit card debt. There are loads of top of the notch debt reduction organizations around that can help you in negotiating your bills down to the most reduced amount that can be had. What they do is reach your collectors and honestly go to battle, striving to have the bill look as if paid in full for a sum enormously less than what was owed before. There are many considerations that are put into a negotiation process which is why it’s typically in your best interest to find a company to do it on your behalf, if that’s the route you would enjoy taking to achieve debt freedom.