Debt Settlement Pros and Cons. This article may be a bit satirical and exaggerated, but any consumer that has found themselves in the unfortunate situation to have to get some straight answers about the different debt relief options available can certainly appreciate how this article closely mimics reality. Ask a Credit Counselor and a Debt Settlement Representative about the pros and cons of debt settlement. What are you supposed to think when they each provide answers that are basically 180 […] Read more »