When I hear the words, “What do you think of debt settlement?,” I cringe. I gird myself for a frustrating discussion with desperate debtors looking for a quick fix to a problem they’ve spent years creating. They want to get rid of their debts as easy as it takes to bake a potato in the microwave. They want the phone calls to stop. They want the letters to stop coming. They need to get rid of the stress they are experiencing. And so they want to believe — need to trust — the advertising from debt-settlement companies that claim a significant reduction of debt for just pennies on the dollar.
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