Doesn't do anything to help you avoid making the same mistakes again. The emotional distress stays with you forever. It will always be your secret. Clears up your existing debts through an affordable repayment plan. Is not a public record.
Nobody needs to know.
You do not have to give up control of your assets. Never has to be declared on future loan, insurance or job applications. Will not disqualify you from any jobs. Automatically manages and disburses payments to your creditors. Examines and deals with the issues that led you into financial difficulty so you can be better prepared to avoid them in the future.