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Hi, I'm Ben, former CEO of a debt settlement firm. I'll explain how debt settlement works, including the process and costs. Many debt relief firms can be shady, so let's get started. Ascend Finance breaks down complex topics like debt settlement into understandable language. If you're in debt and unsure what to do, check out our Debt Summit calculator in the description. It helps assess costs and alternatives personalized to your data. Let's dive into the key points we'll cover in this video.