To many who are in debt it can seem like there is no hope of escape and no help to turn to.
Thankfully this is not the case, there is light at the end of the long tunnel.
But there is still a lot of confusion over how that help can, well, help! There seems to be misunderstandings over what services can help and how these services help.
The main issue has centered around who and how you can get a debt settlement program.
The good news is that in most cases if you are in large amounts of debt you qualify.
The idea behind such programs is simple - companies are concerned that those who get into enough debt will eventually be declared bankrupt, so they won't be able to get much of the money owed back.
So by approaching the companies directly and talking things through settlements can be reached whereby the rates of payment, and often the total owed, can be paid back at a vastly reduced rate.
What this means is that a debt settlement program allows you to pay back less with less fees and costs incurred.
But how do you get this? Simply by talking to the relevant companies who ill assess whether you are right to be taking on such a program.
These debt settlement companies can help because they have direct access and relationships with many of the companies that people have debt with.
They know what to say and who to say it to.
They know the legal intricacies that most people aren't aware of.
So if you want to be accepted onto a debt settlement program what you need to do is talk to those companies directly.
Many are flexible about what services they offer and the bets ones will give you free advice as to what the best way forward is, depending entirely on your circumstances.