The following states have laws that are more in your favor if you were to join a settlement program:

 North Carolina-  At the time this was written creditors in North Carolina aren't allowed to garnish wages in an attempt to collect on a judgment from an unsecured debt.

Florida-  At the time this was written the state of Florida has very good homestead laws that prevent a creditor from placing a lien on a property for the purpose of collecting an unsecured debt.

South Carolina-  At the time this was written creditors in South Carolina aren't allowed to garnish wages in an attempt to collect on an unsecured debt.

Texas-  At the time this was written creditors in Texas aren't allowed to garnish wages in an attempt to collect on a judgment for an unsecured debt,  nor are they allowed to place a lien on a personal property in order to collect on a judgment from an unsecured debt.

Pennsylvania-  At the time this was written creditors in Pennsylvania aren't allowed to garnish wages in an attempt to collect on a judgment for an unsecured debt.