In many cases bankruptcy protection may not be right for you. Whether your property may be jeapordized by a bankruptcy or you simply don't want to file for bankruptcy, there are times when a settlement may be appropriate. We can advise you on whether a debt settlement would be right for you and if so how you would go about making a creditor an offer and getting the settlement in writing. We will also guide you on how to communicate with the credit reporting agencies to ensure the debt is shown as paid. Because there may be possible tax consequences to settling debts, it is strongly advised that you consult with an attorney before undertaking the process of settling any debt on your own.