When looking for debt relief the first thing that people think of is bankruptcy, and the truth is, that this may be the solution for you. But the consequences of bankruptcy are severe and will stay with you for many years to come. If there are alternatives that you may be able to qualify for you should explore them. Often an attorney that offers bankruptcy as a a service with also offer debt settlement services. This is a negotiated settlement outside of a court between you and a group of creditors that allows you to pay back all or most of the money you owe without going into a bankruptcy. Creditors would rather get most of their money back rather than possibly get nothing with a bankruptcy of the borrower. They are often willing to reduce some of the principle as well as negotiate the interest rate. This type of debt relief is perfect for those close to bankruptcy.