Is it possible to complete a credit-card debt settlement negotiation without ending up with bad credit? I'm also considering working with a credit-counseling agency or enrolling in a hardship program.
If you've gone through a bankruptcy or foreclosure, you can still get another mortgage, but it will take time and effort.
“I’m also considering working with a credit-counseling agency or enrolling in a hardship program.” ...
Credit card debt doesn’t usually show up all at once. It builds slowly until one day, you realize you’re in over your head.