You may have decided to work with a debt relief agency to take action on your outstanding obligations if you have had enough of the constant bills and lingering debt hanging over your head for too long. You may have felt as if you could not keep up with your minimum payments, and debt settlement might be the best solution for getting you out of debt with less damage to your credit than bankruptcy. Due to the fact that the process of working with a debt relief agency can seem complex, people often have questions about their debts and what…