It is not easy to get out of a hole once you have dug so far down. I am talking about debt, debt is really easy to get in and once you get so far in debt it gets harder and harder to get out. Between the actual amount of money you borrow, and the very high interest rates, it seems like you will never be able to Debt Settlement. It is understandable on why you are in debt, but you also need to make sure you will be able to pay it back after a certain amount of time.