debt

are you asking? if you are, then try reading on the DIY tab, there's alot of information in regards to that.

If you want to settle your debts on your own, you need to make a detailed list of all your debts. Check how old these debts are, and the Statute of Limitations on all of the debts. Calculate if there are any such debts which you may be able to pay without settlement, because debt settlement hurts your credit.

If you think that it won't be possible for you to make the payments without settling, then contact your creditors, and talk to them about your financial hardship, and request them to agree to debt settlement. Get the settlement agreements in writing, and then send in your payments through certified mail requesting a return receipt (CMRRR).