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Best ways to Eliminate Debt: Solutions for Debt Settlement, Debt Negotiations, Debt Consolidation, Tax Debt, and Loan Modifications. According to The U.S. Consumer Study on Debt*, 45% of Americans claim they are in debt, and 5% of those in debt say they are working with a debt consolidation/debt management/debt settlement program to get out of debt. The results indicate that 5,134,000 Americans may be choosing methods to get out of debt that could result in lower credit ratings — or even lead to Visit site »| Tweet |