The best replacement for debt settlement is debt consolidation.

The best alternatives to debt settlement are rated as following:
★★★★★  debt consolidation
★★★★  bankruptcy
★★★★  debt management
★★★  credit counseling
★★★  chapter 13
★★  consolidation
★  paid in full
★  bankruptcy which is better
★  consumer credit counseling
  chapter 7
  consumer proposal
  charge off
  debt management plan
  chapter 13 bankruptcy
  debt counseling
  filing bankruptcy
  counseling
  negotiation
  cccs
  bankrupt

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debt settlement
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