When you have debt of any size, it can be stressful. So, it is not uncommon for people in debt to consider using a debt settlement company. However, there are some things you should understand about debt settlement companies before you call one.

While debt settlement companies promise to save money on debt repayment, they often tack on hidden fees that add up quickly. Often the money you pay upfront for your debt repayment, goes straight towards the debt settlement company through fees. Instead of making progress towards reducing your debt, you may find yourself in more debt or in the same spot you started.

Bankruptcy may seem like a drastic step, but it will give you the ability to free yourself of your consumer debt.

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