Personal debt settlement definitly seems to be growing as a realistic strategic option for individuals struggling with debt. For serveral years I have been watching the market rather closely and it is more and more difficult to understand what you receive for the investment in debt settlement. It is obvious that there are quite a few debt service providers in the market that provide fantastic services and the debt settlement customers honestly get great benefit, but I am also aware there are tons of debt consolidation companies out there that are focused on collecting new customer fees and signing up new subscribers. This is probably why we see all this new government regulation regarding the debt industry. My sister in law used a debt negotiation business and seems to be very happy content with the overall results.