Curious about debt settlement? Here’s a crash course: What it is: Negotiating with creditors to lower the amount you owe on unsecured debts. How it works: You or a company demonstrate financial hardship to creditors, aiming for reduced payoff. When it might make sense for you: 😰 Unsecured debt is overwhelming. You owe more than you can realistically repay on credit cards, medical bills, or personal loans. 💳 You’re struggling with minimum payments. If you can’t keep up with monthly minimums and