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Square One Debt Settlement is actually one of the few debt settlment companies accredited by TASC (The Association of Settlement Companies) and their BBB rating is B-, which the BBB says still makes them a reputable company. The debt settlement industry sprang up as a result of the bankruptcy laws changing several years ago - it is now very hard to qualify for Chapter 7, which wipes out all of your debts. A good debt settlement company can settle your debts for 40% or better, while Chapter 13 bankruptcy usually requires that you pay back 40 - 60%, and is on your credit report for 7 years longer. There are a lot of unscrupulous debt settlement companies out there as this industry is in its infancy, so you have to check them out.
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