When is it a financially savvy idea to sign into a debt settlement program as a path of debt relief. For many it is when you realize that paying just the minimum payments each thirty days is going to get you absolutely no where and you will end up paying back well over 8 times the original balance in interest alone. For others it is when they can no longer even to budget those monthly payments and think that a Chapter 7 is the one process that can help them resolve what has turned out to be a unholy mess of a predicament. Finding a worth while debt resolution is something we all need.