Debt settlement is typically only a viable option for unsecured debt. (thesimpledollar.com)
A DIY divorce is only a viable option in cases where the marriage did not last long, where children are not a factor, or where incomes are roughly equal between the parties. (illinoisfamilylawyers.xyz)
However, using fault grounds is usually only a viable option if you have a marital settlement agreement addressing property and support. (info.legalzoom.com)