Debt Settlement has the advantage of avoiding the stigma of bankruptcy. Creditors will sometimes agree not to report the settlement to the three major credit-rating bureaus. Your earlier credit issues may have damaged your credit score, but if the settlement is not reported, it may take less time to rehabilitate and raise your credit score.
Bay State Debt Settlement will assist you to formulate a properly-structured settlement to mitigate the damage to your credit rating, and will strive to substantially lower the balance owed to creditors, allowing you to pay less than what you owe. Bay State Debt Settlement will negotiate with creditors and avoid the time and expense involved in filing a bankruptcy. Our goal is to lessen your long-term credit damage and get you back in control of your credit rating.