It is better to seek help from any reputed debt settlement company. Such companies can handle it properly as they are experts in that field. I took help of freedom debt relief to settle my debts. I have joined their debt settlement program one year back and almost debt free now.
I am not totally sure about the answer for your question,here
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Take care.
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November 3rd, 2009 at 2:30 am
You do not need a debt settlement or negotiation service. You can do it on your own. Talk to the people you owe money and work out an agreement. Since the debt is 5 years old it may be past the statute of limitations.