That's a question I get asked a lot. After all, there are lots of horror stories about this aggresive debt reduction strategy (that has become VERY popular with so many people in debt these days). It worked well for me, which is why I decided to share my experiences in the first place.

But I wonder - when you read about these unhappy customers, are the companies at fault? Or are their customers, who expect to get out of debt instantly after years of poor financial decisions?

The real problem is that many of these settlement companies don't educate their customers properly. Settling your debt is a lot different from credit counseling, which simply consolidates your debts and lowers your interest rates.

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