Recent Articles From EvanCarmichael.com http://www.evancarmichael.com/ http://www.evancarmichael.com/Personal-Finance/4040/Debt-Settlement-and-the-facts-of-associated-Income-Taxes.html http://www.evancarmichael.com/Personal-Finance/4040/Debt-Settlement-and-the-facts-of-associated-Income-Taxes.html Discusses the consequences of of taxes when debt is being forgiven. Explains the insolvency factor that permits most debtors to exclude canceled debts from income. http://www.evancarmichael.com/Personal-Finance/4040/The-PROs-and-CONs-of-Debt-Settlement.html http://www.evancarmichael.com/Personal-Finance/4040/The-PROs-and-CONs-of-Debt-Settlement.html This article will cover the most basic reasons why consumers sometimes don't feel comfortable with a debt settlement program. I think the main reason is because there are debt agents who just don't do a good enough job explaining the program, as my title states, the Pro's AND the Con's.