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Both bankruptcy and debt settlement programs recently have had laws passed which regulate their practice. The new debt settlement laws in particular have given consumers a much more legitimate option for debt relief.

The debt settlement process will still survive but there will be much less risk on the consumer's behalf. The days of paying large upfront fees without getting any real debt relief service are over.

On July 28, 2010 new laws regulating the debt settlement industry were passed by the FTC. These laws completely change the debt relief industry and fuels the debate between Bankruptcy Vs. Debt Settlement. So which is better for debt relief?

The new regulations on debt relief programs will clean up the industry and repair its reputation. The debt settlement negotiation process will survive and probably attract more clients as there is now far less risk on behalf of the consumer.

There are more consumers massively in debt than at any other point in recent history. The irresponsible lending standards over the past 2 decades have left consumers in a financial mess. So what are the 3 best options for debt relief?

New bankruptcy laws have made filing bankruptcy an absolute last resort. With bankruptcy becoming more difficult to qualify for, other debt relief options have emerged to help consumers experiencing financial hardships.

With bankruptcy becoming more undesirable than ever, many consumers experiencing a financial hardship have opted for a debt settlement program. So is this the best option to avoid bankruptcy and eliminate debt?

Coming off one of the worst recessions in United States history, many consumers are left on the verge of bankruptcy. Several debt relief options have been introduced and here we take a look at one of the options known as a debt negotiation program.

When millions of consumers could no longer qualify for bankruptcy many of them decided to go the debt settlement route. So is this a legitimate option for credit card debt relief?

Bankruptcy should always be considered a last resort for securing debt relief. There are several other debt relief alternatives that will result in a better outcome than filing bankruptcy for most people.

Consumers see the advertisements everywhere claiming that it's possible to eliminate credit card debt by 50% with a debt settlement process. How legitimate is this claim?

The main reasoning behind the American debt recovery plan is that many consumers are simply unable to pay back their credit card debts. Instead of filing bankruptcy new methods have been introduced to bridge the gap between creditors and consumers.

Online advertisers and debt relief companies have capitalized on this notion of the government debt relief bailouts however this concept is kind of misleading. So what are legitimate options for getting out of debt?

Coming off one of the worst recessions in American history many consumers find themselves unable to pay their bills and searching for debt relief. New bankruptcy laws however have led many consumers into the debt settlement process.

In the past, consumers who struggled to meet their minimum payments were forced into filing bankruptcy. However the new bankruptcy laws that were passed in 2005 led to a few other debt relief options one of them being debt settlement.

If a consumer finds themselves in a difficult situation not having enough money to cover basic necessities, paying back their debt is never going to be easy. Here we will look at the option of credit debt settlement and when it makes financial sense.

The debate of debt settlement vs. personal bankruptcy has taken a recent turn towards towards debt settlement, commonly know as debt negotiation, do to the new bankruptcy laws passed in 2005.

Before consumers consider bankruptcy as a solution for credit card debt relief, they need to look at a few other options: debt consolidation, debt counseling and debt settlement programs.

With bankruptcy laws becoming more strict over the past two years debt settlement has gained more prevalence amongst debt ridden consumers. While debt settlement is not perfect, it is a legitimate way to eliminate unsecured debt.

Credit card debt was readily available over the last two decades and many Americans spent wildly and are now desperately in need of credit card debt relief. So what are the best debt relief options?

Credit card debt is a problem that almost every American can identify with however there has never been a time in history where so many consumers are massively in credit card debt. So what are the best debt relief options for 2010?

Debt settlement has become more popular over the past couple years in large part due to the "bailout" attitude set in place by the federal government. Consumers are now trying to get bailed out of paying unsecured debt through debt settlement.

Over the last 2 years Americans have witnessed several financial institutions get bailed out of their credit obligations. Many consumers are now trying to get the same treatment from their creditors through a process known as debt settlement.

With credit card companies jacking up their interest rates, and bankruptcy being more difficult to qualify for, debt settlement serves as a legitimate industry that benefits both the debtor and the creditors.

A lot of people are looking for different debt relief options because they are a legal and effective way of getting fast relief.

A recent study has determined that there are more Americans currently in credit card debt than at any time in history. So how are consumers today dealing with massive credit card debts?

With the recent market crash, a lot of people have been rendered jobless or with a major reduction in salary. Due to new bankruptcy laws consumers who couldn't pay their bills ended up choosing the debt settlement process.

Recently leaders from the debt settlement industry appeared before congressional hearings to defend themselves against increased scrutiny. So is debt settlement a legitimate industry and when does it make financial sense for consumers?