need help with finding the best solution for debt

Hi,

You have quite a bit of debt so I would suggest bankruptcy. If you went the settlement route you would most likely be sued more than once. Debt management (interest rate negotiation) and hardship programs require you to be on time with your payments.

What is your situation? How many debts? You should click on "Do It Yourself' above, there is a lot of info there.

chrys

im leaning more towards settlement i was in the same boat. i had 20,000 in debt got it wiped out in 2 years without bk. but be prepared you can get sued i did on my last account right at the 2 year mark, my smallest account they absolutely would not settle at all.

Basically, you have 3 choices. 1 - Consolidation, 2- Settlement , 3 - Bankruptcy. It really depends on your individual situation which one makes the most sense for you.