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As per the guidelines set by US finance department (debt settlement USA), debt settlement services are:
Completely legal
All financial institution properly registered in accordance to the federal rules and regulations are authorized to offer debt settlement services and debt settlement program.
Ethical
The method credit card debt settlement dealing with financial issues is acceptable as per the standard norms and financial practices.
Our debt settlement company offers to arbitrators negotiate with your creditors or CA in order to settle your debts for less than what you owe.