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I do not really understand why those agencies are needed. I tried to pursue debt settlement services and found myself facing not relief but even steeper financial losses. I got more into debt once I consulted the debt settlement agency and paid them in advance. I was so so frustrated! I thought I'll never get out of that loop! But on day I found an online guide called Ugotiate where they give great step-by-step guidance how to get debt free. It was pretty easy to use! I'm not sure if they charge anything now for their services but when I was using it, it was for free. They also have many helpful articles that would teach you how to manage your budget and debts without consulting a lawyer. Hope it will be helpful for somebody like it was for me.
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