The idea of using a Debt Settlement is that you are able to save some serious money.  In order to get the best deal possible, you need to learn how to maximize the savings that you can get, and ensure that you are in total control.  To do this, you should always be the one to approach the people you owe money to.  By doing this, you are showing an active interest in repaying the debt, but on the terms that you offer.  While they may not initially accept your offer, after some time they may decide that it is best and this gives you the savings that you want at a really big discount.