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Bankruptcy may affect your credit score (it sometimes can make your score better!), Whether or not you file for bankruptcy also depends on the kind of debt you have. Debtsettlement with the wrong organization or a scam can destroy your credit. but it can also help give you a fresh start.
This is why many people engage the services of a debt relief agency. TransUnion calculates that paying off $5,000 of creditcarddebt at the minimum rate costs $10,000 in interest. The fees you can expect to pay for Freedom Debt Relief’s services range from 15–25%. National Debt Relief vs. Freedom Debt Relief.
Creditcarddebt forgiveness: Applying for creditcarddebt forgiveness lets you free up cash that you were using to pay down a creditcard so you can more easily repay your cosigner. They don’t have any rights to the items you purchased with the loan.
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