Debt settlement offers a path to relief for those struggling with overwhelming debt, particularly when facing unsecured obligations like credit card debt or medical bills. However, it’s crucial to understand which types of debt qualify for settlement and which do not. In this guide, we explore the process, benefits, and limitations of debt settlement, helping you decide if it’s the right choice for achieving financial freedom. Whether you’re evaluating options to manage your debt or seeking a structured way to reduce payments, this article provides the insights you need to make an informed decision.