Is It Time To Consider Debt Settlement Programs? By: Weldon Solis | Aug 27th 2010 - There are numerous reasons an individual wants to consider a debt settlement program. It's a large decision that one should consider in their plans for debt relief. The greatest issue is not really the amount of credit card debt that somebody has. In the event that you have $40,000 in credit card debt, however have minimal outside expenses and make $100,000 a year, you most likely can make more on your regular monthly payments and obtain debt relief by paying the cards off on your own. Tags:Debt Settlement program, debt relief, debt settlement programs, michigan debt relief