Debt settlement programs offer a viable, and often preferable, alternative to bankruptcy In some cases, bankruptcy may be the best option available to a consumer but debt settlement provides a way of repaying unsettled debts, reducing those total debts, and becoming debt free within three years or less

Debt settlement programs offer debts the opportunity to reduce their unsecured debts by as much as 60% and become debt free in 3 years or less They provide the opportunity to avoid bankruptcy and the negative impacts that filing for bankruptcy can have on a consumer