I am 27 and 3 mos. behind on a total of 24k in unsecured debt. My credit score has already been negatively impacted and am left with two options: credit counseling at $600 a month for 6 years or debt settlement at $400 a month for 3 years. All the research I?ve done seems to give debt settlement a bad reputation because it makes your credit rating bad, but I don?t see how much worse mine can get anyway. Which option should I choose?
Source: http://jonbrent.com/debt-settlement-or-credit-counseling.html
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