I believe debt settlement gives you an affirmative defense of "estoppel", likewise, bankruptcy also gives you an affirmative defense of "res judicata".
Down the road you can be sued (or merely pursued) for the debt whichever road you choose, if the creditor behaves unethically.
Down the road you can be sued (or merely pursued) for the debt whichever road you choose, if the creditor behaves unethically.
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