Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - If I am 80,000$ in debt, should I consider a debt settlement company instead of bankruptcy? - I am in debt from helping my son when he was off work. Helping my elderly father. Also, my ex-husband was fired from his job and now we are divorcing. I am in so much debt that I am far behind on payments and I make too much money to file a chapter 7. I would have to file a chapter 13 and pay back a portion anyway. Would a debt settlement company be a better option? -