But this experience, together with the more recent experience with debt settlement firms, suggests that there are substantial issues that must be addressed in order for these private mechanisms to work properly. (getoutofdebt.org)
What is the success rate for debt settlement firms? (hoyes.com)
While most reputable debt settlement firms will work to assist in minimizing creditor calls and harassment where possible, debt settlement does not provide the guaranteed legal protection that bankruptcy does. (debtmerica.com)