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hi guys my name is ben and i was the previous ceo of a debt settlement debt relief company its safe to say that ive settled a lot of debt in my life selling debt can be complex and confusing and doing it incorrectly can lose you thousands of dollars so the purpose of this video is to really share the ins and outs of how to settle the debt yourself and kind of things to look out for so if you watch to the end you should have a tool kit that can really help you settle debt in the most effective way and be on your way to getting out of debt cheaper easier and faster welcome to ascend finances youtube channel where we take complex topics such as settling debt and make them and break them down into simple human understandable language so heres what were going to cover in this video today first were going to cover settling debt by yourself versus hiring a debt settlement company second were going to look at structured settlements versus lump sum settlements third were going to go thr