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Any best debt settlement program is going to essentially let you pay part of the debt such as around 25-50% credit score. You’re not paying the debt in full at contract interest so it’s impossible not to end up with a bad credit score with debt settlement. Debt settlement also doesn’t prevent a creditor from not wanting to settle and just sueing for the entire amount.

Contrast this with bankruptcy. In chapter 7, you pay your attorney once and irregardless how much debt you have, it will discharge all of the debts. Creditors are bound by any Bankruptcy Court order. In the end, you will end up with the same bad credit score that you would have doing debt settlement. So you end up at the same place, just with bankruptcy, you get the faster for less money.

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