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Debt settlement instead of Obama debt relief act Just to add to that, if you owe $10,000 for example, your monthly payment will be about $150.00/month.  If you owe $20,000, your monthly payment would be about $300.00/month. If you owe 30,000, your monthly payment is $450/month That's a lot of...

What is the difference between debt settlement and bankruptcy? Debt settlement duration - 12 to 36 months. Bankruptcy Chapter 13 - 3 to 5 years Bankruptcy Chapter 7 - depends on the complexity of your case but you should get a discharge 60 days after the meeting with the creditors.