Mostly, people do not know what options they have available  in order to get out of debt. The number one priority when trying to get out of debt should be exactly  getting out of debt, not worrying about keeping a great credit score. A credit score is something that changes like the wind and can be repaired at a later date, and besides when you're in debt you should not worry about how to get yourself into more debts in future.

So, there are two main debt settlement programs available for people trying to get out of debt. There is consumer credit counseling and there is debt settlement. Both have their respective pros and cons.

The second seems to be simpler and more reliable. Especially if you have serious debts dealing for example with property investment. The benefits of debt settlement are the savings of money and time. And this, in fact, is the most vital thing for property debt settlement. Most debtors find themselves saving around fifty percent of what they owe today, and can get out of debt in just a few years. The downside of this program is that in order to achieve the debt settlement a consumer must let the accounts fall into default, thus putting the creditors in a position to negotiate a property debt settlement. So obviously this will have a negative effect on the credit score. However once the settlements start coming in the credit score will rebound and repair itself naturally.

To conclude, getting out of debt is not all that hard. The vast majority of people would be able to manage one of these two types of programs. The only thing that holds most people back is the apprehension of their credit score being affected. But, it's not really the main thing to pay attention to.