I would like to see if some one had settled debt on their own, and if they can give me some tips on how to start and forms to use, what information to include and what not to include. and if they had professional help and if it was worth it, to be honest any advise will be help full. my debt is about 90$k and about 9-12 month delinquit. banks include, discover, first usa, Citibank, MBNA, house hold, Chase. thanks magic6
