To begin we must identify the debt settlement process. Debt settlement is a process of going into default on unsecured credit card bills to then later on negotiate a settlement to pay back the balance at a much reduced amount. This avenue can save a U.S citizen close to 50% of the debt they owed.

Like most things in life credit card debt settlement has it's ups and downs.

A debt settlement law firm has more beneficial securities to offer than the regular debt settlement company.

One more issue to think about is that law firms must answer to a greater authority in order to stay in business, the State Bar Association.