Debt Settlement Is for Debts You Can’t Repay – Count the Fees and Taxes First
Debt settlement can shrink what you owe, but it costs months of missed payments, a fee that typically runs 15% to 25% of the debt you enroll, and often income tax on what’s forgiven. Use it only when your accounts are already in collections and you can’t repay them even on a lower-rate plan.
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