Hi, I have near about $30,000.00 unsecured debt

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What is the name of the settlement company? Are they giving you any legal assistance for that particular account? Ask them to refund you the money. Start calling your creditors to settle debts yourself. Browse through the settlement articles to know how to settle debts yourself.

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Yes, I would suggest that negotiating your debts on your own is always a better option. You can negotiate with them on your own, tell them directly about the financial hardship and also save money during the process. Go for it rather than taking help of a third-party agency.

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Has the creditor been awarded a judgment against you? There are a couple of option for you right now. You can call up the company and ask them about the status of your settlement account or you can drop out of the program and negotiate a settlement with your creditors yourself.

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