Between the high interest rates and extra fees that credit cards come with, it can be remarkably easy to find yourself facing issues with credit card debt. After all, if you're carrying a credit card balance from month to month, just one minor hardship, whether it's a job loss, medical issue or emergency home repair, can lead to serious debt issues that are hard to overcome.
So, don't lie or fudge the numbers on your income, assets and expenses to try and qualify. If you're working with a debt settlement company, provide them with complete access to all your income sources, debts, expenses and assets right from the start instead. Any omissions you make early in the process could later be grounds for your creditors to claim you attempted fraud and reject settlements.