> You only have a few options:
  1. Credit Counseling – best for your credit, can you afford it?
  2. Get a loan – Behind or over-extended, can't do it.
  3. Bankruptcy – Rather have a 13 or Settlement?
  4. Pay creditors directly – If your pay forever plan was working, you wouldn't be looking for help.
  5. Debt Settlement Group
Debt Relief   |  Debt Settlement   |  Debt Consolidation   |  Credit Counseling

Bankruptcy   |  Bankruptcy Alternatives   |  Do-It-Yourself Debt Settlement

Debt Settlement Scams   |  Shopping Debt Settlement   |  Bad Credit

Do-It-Yourself Debt Settlement

You can do it! However, it is time consuming.

When you don't understand the charge off and debt sale process, creditors will inflate the balance and then give you a discount off the inflated balance. Which may not be any real discount at all.

Creditors are sneaky. They are known to offer settlements and after a debtor has paid the settlement, the remaining balance is sent to another collection agency many months later.

It is tough to deal with all the collection calls. They are very aggressive and are famous for lying and scaring debtors to the point of just giving up.

When you don't know the collection laws, it easy to be confused and taken advantage of by creditors.

These are all reasons to use a professional. Professionals may also obtain larger discounts because they are settling in bulk.