In the reader comments for my last column, some of you raised the issue of debt settlement. This differs from credit counseling and debt management plans (DMPs) in that debtors pay creditors a negotiated percentage, rather than the full amount, of th... http://www.livingorsurviving.com/betwe...

Previously, I wrote how to "Get Rid of Credit Card Debt" that introduced my DOLP method for paying down debt. (DOLP stands for Dead On Last Payment.) I receive success stories on a regular basis from readers who have turned their lives around by usin... http://www.livingorsurviving.com/take-...