Kumiko Love Instagram – I am seeing 🚩🚩🚩 all over the place when it comes to debt settlement companies. Let me be clear: You have the right to settle or negotiate your debt yourself without a company representing you. There are no costs to do this! STAY CLEAR AND SAY NO to any debt settlement company that: ❌️ Contacts you first ❌️ Charges upfront fees prior to settlement ❌️ Make guarantees or promises ❌️ Does not warn you of the consequences (lawsuits, credit damage, tax implications, collections, etc.) Honestly, just say no to any debt settlement company! Comment BYEDEBT and I will send you a video on creating a plan of attack to pay off your debt! #thebudgetmom #debtsettlement #debtfreegoals #debtpayoff #debtfreecommunity #debtfreejourney