Share Should you use a credit card debt settlement company? On http://www.myfinanceblogonline.com/archives/credit-card-debt-seem-impossible-to-repay-if-you-have-over-10k-a-debt-settlement-makes-sense-2/comment-page-1/#comment-5498, the blogger made this comment: If you have over $10k in unsecured credit debt there is legitimate help out there. Instead of going right to a debt settlement company you might have heard on the radio or television, it would be wise [...]