(#982) available for special hardships. Your attorney will advise you in this matter. Debt Settlement can also be harmful to a debtors credit-rating while they are in the process of settling their debts because creditors wont agree to settle on an account that remains current. The debtors credit report will reflect that they are behind in payments until the debts are settled. To find out more about Debt Negotiation, click here or call 800-868-1458 … debt settlement assistance help firm …