Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What is better Debt settlement or bankruptcy 13? - It depends completely on your particular situation and on what goals you are trying to accomplish.

You need to sit down with a professional in person to discuss this, not seek legal advice on the Internet.

Bankruptcy attorneys can review both options with you, including pros and cons, with respect to your particular financial situation. So could a certified consumer credit counselor. -