Hello. I owe $45,000 in unsecured debt which results in $1600 in monthly minimum payments. I'm considering Chap 13 vs Debt Settlement. Freedom Debt Relief is telling me they can negotiate $45000 down to $39000 which results in a $770 monthly payment for 51 months. My accounts are current. I'm reading a lot posts stating that settlement is bad because some creditors won't negotiate and will sue. And you can negotiate yourself with the creditors and not pay the fees. I'm comfortable with a $750 monthly payment. Is it better to do it with Settlement or Chapter 13?