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bankruptcy or debt settlement? I receive different opinions from people within the business profession as to which is the best debt solution.

There is no clear cut answer for this question. Bankruptcy may be right for certain people in certain financial situations while debt settlement is best for others. They are two distinct solutions and like any big decision there are no cut and dry, one size fits all answers.

The question you should be asking is “Bankruptcy or debt settlement? Which is right for me given my personal situation?” And to get that answer you should speak to both debt settlement companies and bankruptcy attorneys and get their advice/opinions. Any good attorney or debt settlement company will ask you an extensive amount of questions to determine your exact situation before making a recommendation. If they don’t do that then look for someone else to help you.