The siutation:

You're in a pretty tough spot, because you can't afford the debt you have.  With the majority of your accounts under $750, a conventional settlement program will not be an option.   You need to take action immediately.

You can still benefit from settlement, but you will need to learn how to do it yourself, as your accounts are too small too enroll in a normal settlement program.

I have only seen one do-it-yourself settlement program that I recommend to my clients .  Click here to go to the website of the company I suggest you use for  DIY Debt settlement.

Best Wishes!

The "Debt-Professor"
www.debt-professor.com