Further, companies should also be realistic with clients
. Sometimes, debt settlement is not the best for every debtor. In many cases, bankruptcy is the most viable option, and a legitimate debt settlement company will advise a potential client in this direction, rather than stringing them along. Though navigating your way out of debt is challenging, it can be done. If you find the right company, debt settlement can in fact increase your cash flow, help you reduce debt, and get rid of the guilt of essentially lighting your money on fire each month.