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The firms that promote expertise for debt settlement programs appeal to people who feel they can?t deal with their multiple financial obligation repayments on their own. These companies simply take the money from you every month and disperse it among your creditors, with whom they may have worked out reduced interest rates or lower payments. As companies take a strong look at your finances and come up with a plan, after talking to your creditors, that you can live with and pay your bills off. This seems like a good way to go but it has its problems on the surface.