The Do-It-Yourself Debt Settlement Kit provides you with all the information you require to resolve your own debts, without hiring a debt settlement company. The audio seminar and workbook was written by a former debt settlement decision-making and provides closely-held secrets of the professional debt settlement business. This information will empower you to successfully negotiate debt settlements directly with your creditors and to achieve your goal of a debt-free life. debt set-tle-ment NOUN: An accord between you and your creditor to reduce the balance of your account in exchange for a lump-sum payoff. Once the agreement is reached and the settlement is paid, the account equilibrium is set to zero and the account is closed. Our mission is your financial happiness. The kit provided me with valuable, detailed information about the credit world, critical time line dates, as well as the negotiation process. I can truthfully report that the information gleaned from the workbook and the CDs enabled me to successfully negotiate and settle three of my accounts with major creditors. I finally feel that I have some of my life back, not forced into insolvency court and, to not use the phrase "drowning in debt" any longer.