Debt Settlement in 2012: Why the Do-It-Yourself Approach Is Safer and More Effective for Consumers

Consumers who adopt the DIY approach to debt settlement save thousands on fees, get out of debt faster by avoiding the built-in 6-month delay associated with traditional programs, and greatly decrease the risk of creditor litigation. Consumers enrolling with a third-party debt settlement firm are participating in a risky experiment, as it remains to be seen whether any of these companies will survive the ban on advance fees imposed by the Federal Trade Commission.

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