A good Debt Settlement plan might have you walking away debt free, but it is going to take some time to really get there.  In order to get the best result possible, you need to look at how your finances are doing.  This means, spending a bit of time to carefully ensure that you are getting a good outcome that can be easily carried forward so that you are able to really get a good outcome that you can work with.  Never allow yourself to fall so badly into debt that even a debt settlement plan will not work for you.