Most any type of unsecured debt can be settled. For example: Consumer debt Credit card debt Business and/or Commercial debt Defaults Charge offs Debt collectors and/or Attorneys Medical bills Utility bills Store credit cards Major credit cards Pre Judgment and Post Judgment Settlements Bank account and/or Wage Garnishments To best determine which accounts can be settled and the current trends with each of your creditors, you should schedule a consultation with an credit advisor specialist.