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Debt settlement program what are its benefits and how do I get involved in one.  The main advantages to  an American consumer to go into a debt settlement program is because of the potential of a vast amount of savings of money and time.  Both of which are crucial to financial stability.  The savings of money comes from negotiating a settlement at much less than what is owed to the creditor and the savings of time comes from getting out of debt much faster due to not having to pay back the entire amount.  When getting out of debt is a priority then debt settlement should be number one on your list.