Debt settlement can allow you to avoid filing for bankruptcy, which can put you in a better financial position. But keep in mind that resolving your. When negotiating with a Personal Injury Attorney in Simpsonville SC, you must confirm if you owe the debt, calculate a realistic payment plan, and make a payment proposal to the debt collector. A good settlement offer should reflect a balance between the expected outcome of a trial, adjusted for the risks and expenses associated with the continuation of litigation.