I have some debt, but I'm not sure what I should do. I spoke to a settlement company called forget-a-debt and they told me they would do a settlement for $500 for me on a $15,000 debt (Bank of America). I am already behind, so I think settlement is best for me given my options and decreased income. I called the BBB and they had good things to say about them. They apparently offer debt consolidation as well, but the payment is too high for me. On the other hand, another settlement company was going to charge me 15% or something of my total debt.