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Debt Destroy
Kairon - The debt settlement option available through the creditor arbitration process is a much better alternative as compared to filing for bankruptcy under Chapter 13. In many ways, the debt settlement facility can be compared to Chapter 13, since a percentage of the debt is "paid" while the remaining balance is forgiven by the creditor. The unique difference is that debt settlement is generally a "private matter" and very much under the control of the "debtor", whereas filing for bankruptcy under Chapter 13 is a "formal" process and is guaranteed to appear on "public record".
debtfreedaniel - Even we hire these debt settlement companies to help reduce our debt, it is still upon us to have that discipline to minimize our expenses and keep it within the level of what we can afford. Debt settlement companies are not in there for non profit thus you also pay them to help you out. 
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teal (Guest) - You’ve done everything you can to get out of debt, but just can’t seem to dig out of the hole. Your only option is to settle.
Ronald Eddy (Guest) - Its good you are sharing your views with everyone..good advice
Gabriel Paul (Guest) -
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  • Clean Credit Report (Guest) - Seems like a truly desperate and dangerous maneuver.  However, if you're going to declare bankruptcy anyway, this might be a way to avoid that. Scary.
    yalenova (Guest) - Thanks for such wonderful advice. Always interested to read your articles.