There's a lot of info at Debt Negotiation & Settlement Services.

It's really important that you understand ALL your options before taking any actions.  That's why I always require the Credit Analysis first.  

The Analysis is about a LOT more than your credit. 

If you have delinquent accounts, we'll discuss your options, including  bankruptcy or doing nothing.  YOU decide what to do, I make recommendations based on the information you provide.  I have no Oracle and you must take the time to honestly answer my questions..