Ask The Get Out of Debt Experts Debt Settlement

Is There a Reputable Debt Settlement or Debt Negotiation Company Out There? – Patti

“Dear Steve,

currently unemployed, spouse self employed but not consistant (construction) unsecured debt – approx. $11,500

what is the best way to relieve this debt? cannot afford payments from credit counseling (was previously in program) and just severed ties with debt settlement company- Lloyd, Ward & Assoc. who are nothing short of scam artists!!! Is there a reputable debt settlement/negotiation company out there?? please advise – thank you


Dear Patti,

If you are living on inconsistent income and can’t afford to repay your debt then the first solution to consider would be bankruptcy.

I think this article I recently wrote will help to put it all into context. Read The Honest and Unvarnished Truth About How to Get Out of Debt.

So I would suggest two courses of action.

  1. You can click here to find a local bankruptcy attorney and if you’d like a second opinion about your situation or a personal consultation by another debt coach, please feel free to contact Damon Day.
  2. If you want to pursue debt settlement then visit one of the AACC members who have pledged to put consumers first.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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