I need some guidance on starting debt settlement negotiations with creditors, on my own. We were with Total Debt Services for three years, settling close to $85,000 of debt, and they were wonderful. The recent changes to debt settlement firm laws caused TDS to close their services, and they have sub-let us to EFA Processing. This place is horrible, and we no longer have control over our money. I am in the process of closing our special purpose account, and getting into finishing this off ourselves.
What I have questions about are what avenue to take first.