"[I] shall never use profanity except in discussing house rent and taxes. Indeed, upon second thought, I will not use it then, for it is unchristian, inelegant, and degrading--though to speak truly I do not see how house rent and taxes are going to be discussed worth a cent without it."

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Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you should be able to settle your debts for cents on the dollar. You'll also pay a fee to the debt settlement company, usually either a percentage of the total debt you have or a percentage of the total amount forgiven.

— Jean Chatzky