I have a large amount a credit card debt that I need to get rid of, which will let me repair my credit faster, debt settlement or bankruptcy?
In total I have about $13k - $15K in credit card debt, one was turned over to collections, and another is still with company until end of the week. I need to do something soon, but I don't know what to do. Is debt settlement or bankruptcy better for repairing my credit rating? Could a bankruptcy lawyer help me with either of these?