Barbie Girl

Hav questions 1. How much do you pay a debt settlement company? 2. How does bankruptcy have a bad effect on your credit report? isnt it's effect the same when you get behind?

hi! i;m just new here in these forums, and i'm looking for a debt relief option that can help me. i have around $30000 in credit card and other debts. i'm tyring to look at other options. if all else fails i just might file for bankruptcy. now, my question is, is credit counsling a good bet for me? ...