Avoid debt settlement if: part 1
If you are considering debt settlement negotiation as a means for you to get out of credit card debt there are a few things you must be made aware of first. If it will take you more than three years, preferably two, to get all of your debts settled than bankruptcy might be a better option for you. To achieve maximum results with debt settlement it must be taken care of as soon as possible. Bankruptcy will offer you the protection of the courts during this process, and if the settlement process will take longer than three years it is advisable to just go bankrupt.