In cases where Bankruptcy is not a viable option, Debt Settlement might be a viable alternative. Although it is not necessary to retain an attorney to have a successful debt settlement there are a few advantages to retaining an attorney. Nonetheless, you should consult with an attorney prior to beginning debt negotiations to fully understand the pros and cons.
Debt Settlement basically comes down to negotiating with your creditors to discount your debt. The settlement amount depends heavily on your financial situation and how long the debt has been delinquent.
If you are considering a debt settlement as an option you can call me for a free consultation where we will discuss the pros and cons of debt settlement as well as the advantages and disadvantages of retaining an attorney in order to settle your debt.