I have about 14,000 in debt, and am on fixed incom
I have about 14,000 in debt, and am on fixed income disability, 1600 a month. I have regular bills, rent 700.00, car is paid. I also have a foreclosure 2 1/2 years ago from recession/illness/disability. Should I claim bankruptcy or try a debt settlement company? Over 50% of debt will be off in 3 yrs, but foreclosure is there. I want to improve fico, and get a secured credit card. Which is best for me? Bankruptcy or debt settlement and how do I know which debt settlement co is legit?