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hi my name is Ben and Im the former CEO of a debt settlement debt relief firm today I want to give you an inside view of how debt settlement works the process the costs and everything you need to know to make the most informed decision about your situation because theres a lot of debt relief firms out there that you may feel a little icky about so lets get started [Music] welcome to the Ascend Finance YouTube channel where we take complex topics such as debt settlement and break them in down into human simple understandable language my name is Ben and Im the co-founder here of Ascend now if youre struggling with debt and you dont really know what to do we created a debt Summit cost and Alternatives calculator and include in the description below to help you kind of guide you through the cost of your different options the pros and cons thats personalized to your data so that you can make the most informed decision lets cover what were going to talk about in this video first we