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is there a debt settlement that can with car loans, personal loans and credit cards all at once?

Hello. Debt settlement is for unsecured debts only and your car loan is secured by the car. What that means is that if you default on your car payments, they can just take the car back from you because the loan was secured by the car (an asset they can sell to repay the loan).

So you are left with credit cards which are unsecured and can be reduced through debt settlement and the personal loan. Is your personal loan secured by anything (a house, a car, etc)? If you put up an asset such as these to secure that loan then it cannot be settled through a debt settlement company. However, if it is an unsecured loan then the debt settlement company can try a negotiate this amount down along with your credit cards. Thank you for the question.