In fact, the bigger the bill, the less likely you are to spend it. If you want to really save money, spend only cash and carry only fifty-dollar bills.

If you're filing bankruptcy, you will likely want to hire an attorney. But for debt settlement, a company is sufficient, or as I said, you can often do the legwork on your own.

You really don't need to hire a debt settlement company to negotiate with your creditors.

No company can promise an end date, but if you have multiple debts, the first one should be settled within a year.

Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.

You can have a do-over starting today. But you have to get over the feeling that it's too late

Unless you have multiple accounts that you need to negotiate and you think the project is just too big to tackle on your own, you're better off just calling your creditors directly.