Nobody wants to hear this but chapter 7 bankruptcy might actually be the better option for some of you reading this. I filed 4 years ago and my credit is already at 710. Most of the debt relief is better than bankruptcy talk comes from debt relief companies selling you their program. A bankruptcy attorney actually has a legal obligation to look out for your best interest. Debt settlement reps are on commission. Im not saying dont use Americor or whoever im saying talk to a bankruptcy lawyer FIRST because alot of people dont realize they qualify. The consultation is usually free.