A good candidate for debt settlement is someone who has a fairly significant amount of unsecured debt, does not want to file bankruptcy, and is looking for rapid debt relief. Perhaps the most critical factor in determining whether you’re a good debt settlement candidate, however, is whether or not you can come up with 50 cents for each dollar of your total debt within the next 18 months. If you can, you are probably a good candidate for debt settlement. If not, you simply don’t have the money required for debt settlement, and you should call your bankruptcy attorney.