What are some signs I need debt settlement Part 1

If you find your savings account on basically zero.You only afford to barely make the monthly minimum payment on your credit card debt.. You are recieving harrassment and phone calls from creditors and collectors. You use credit cards for things you used to buy with cash, such as groceries, gas, or utilities bills.  This is especially a reason to do debt settlement.Your credit card debt to income is at or near 25 percent. You have more than four major credit cards. You lie to your spouse or other family member about your spending or hide credit card statements from family members.  This again is another very good reason to enroll into a credit card debt settlement program and become debt free as soon as possible.