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Resources & Tools

Pros & Cons Of Debt Settlement

Debt settlement may seem appealing when you’re in lots of debt. Paying your creditors less than what you owe seems like an easy way out. If debt settlement is successful, you will repay your debts in much less time. You could also get relief from overwhelming debts & avoid bankruptcy.

Although debt settlement sometimes works, it’s extremely risky. You’ll have to stop paying your creditors. You’ll put money into a savings account with a debt settlement company instead. As a result, creditors can make harassing phone calls to you. Debt settlement can also significantly lower your credit score. This is because you are no longer paying your debt. And, your creditors aren’t obligated to accept the debt settlement agreement. If your debt is forgiven, you may have to pay taxes on that amount. Usually, you’ll pay as much as 25% of the amount you saved.

At ACCC, we offer alternatives to debt settlement negotiation. As a nonprofit organization, we provide free credit counseling. We also offer low-cost debt management services & financial education. Call us today and we’ll help you decide which approach is right for you!

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