In this video I discuss debt, in particular Debt Settlement Companies. I point out there is two things you should know about your Credit and a Debt Settlement Company  Any amount that they settle for or forgive will be counted against you as earned income. There is no guarantee the creditor you are trying to settle with will take less. The last time I checked the rules that they made for the banks and Bankers don’t go to jail and bankers get bailed out. So remember these two things when you are thinking about using a Debt Settlement company.