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Can I do debt settlement with a house?

Yes, you can do a debt settlement program with a house. It does not matter if you own a home or not. If your home has not appreciated in value much over your mortgage, refinancing will not be an option for you so debt settlement may be something you will want to consider depending on your situation.

However, if you do have equity in your home, you likely will want to refinance in order to pay off your credit card debt since debt settlement can have an adverse effect on your credit score.