If you have debt, you might be considering a debt settlement company. Before you contact a debt settlement company, there are some things you should know before you call one.

Debt settlement companies promise to save money on the repayment of your debt. However, they often tack on hidden fees that add up quickly. In fact, much of the money paid upfront goes straight towards the debt settlement company’s fees instead of your debt. So, instead of making progress towards reducing your debt, you can find yourself in more debt or even in the same place you started.

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

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