I am doing my own debt settlement program and here's how I am doing it.I have a savings account at a bank that lets you write checks from it so I am saving up money to either pay the debts off one by one or settle them with the creditor.This bank lets me do external bank transfers and the money is deposited into my savings immediately.
The first thing I had to do was figure out my income and expenses and do a budget. The follwing sites are the ones I have used to help me.
My favorite online budget helper is mint.com.Your accounts are automatically tracked there. I use Dollar General's Home Finance Bill Organizer which is a reall easy system to file your bills.The first three websites have worksheets that you can print out and use. The fourth website has a bill organizer book that you can order if you want to.
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