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So what are the procedures available to these Americans wedged in debt? There are really only three options a debtor can do; there are debt consolidation loans, consumer credit counseling programs, and then debt settlement program. All of which can be of assistance to people trying to get out of a horrifying debt situation. Let us inspect all of the above and see if one of these debt relief solutions can be of assistance to you. Any of these programs is better than doing nothing.