Rischio

Avoid bankruptcy at all costs it is totally not worth it. The truth is in many cases people will end up saving more money with debt settlement, is almost reason enough. On top of the fact that the longest it will take to be debt free is three years. When compared to a Chapter 13 bankruptcy that will take five. Plus settlement is a private matter and not a publicly known record for the rest of your life, as with a bankruptcy. And you cannot forget your credit rating, debt settlement comes off as being a lot less negative than bankruptcy.