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The debts charging higher interest rates are the ones that need to be settled first, unsecured credit card debt settlement strategy This will make the most dramatic change in your monthly budget, unsecured credit card debt settlement strategy Generally a credit card debt settlement case might take up to 3-9 months which can be shortened to 1-3 months if someone wants to speed up the process of settling debts, unsecured credit card debt settlement strategy On an average debt reduction firms generally charges from 8%-15% of the total outstanding debt but is advisable to do a thorough verification of the company. A certain time period is allowed by a debt settlement company for settling ones debt which is generally 36 months and during this time the creditor needs to agree to on a total amount for negotiation. You need to qualify for the program to use debt settlement to settle your debts. You need to talk to a consultant about your personal debt to see whether you qualify for the program or not. If you do qualify a financial program will be set up to meet your needs whereby you will be able to determine just how much money will be required to put aside every month to start paying off your debts.