Over the past couple of years I have heard from so many consumers who are overwhelmed by debt. Almost every one of them wants to avoid bankruptcy. Debt settlement may be the best alternative for those consumers who can't afford a reduced payment plan and can't -- or won't -- file for bankruptcy. DTS is one of the few companies to which I refer consumers. I've heard good things about them from others in the industry, and they have genuine compassion for people in very difficult financial situations.

Gerri Detweiler has been a consumer advocate in the credit and debt arena for more than a decade. She is the founder of Ultimate Credit Solutions Inc. and the former Executive Director of Bankcard Holders of America.

Gerri wrote The Ultimate Credit Handbook hailed by Money magazine as one of the top five personal finance books of 1993, and co-author of Invest In Yourself: Six Secrets to a Rich Life and Slash Your Debt, Save Money & Secure Your Future.

Gerri testified before Congress, assisting in the reform of federal credit reporting laws, and has been featured in thousands of radio, television and print stories, including: USA Today, The Wall Street Journal, The New York Times, Dateline NBC and the Today Show.