Yes, several times. Most recently, President Clinton was able to balance the budget in his administration, despite having inherited a deficit from President George H.W. Bush.
It was not several times and Clinton didn't do it. In fact the national debt was $5,727,776,738,304.64 when Clinton left office. Clinton left office with about a $1.5 trillion increase to the national debt. The only time the national debt has been paid off was in 1835 under President Andrew Jackson.
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Yes, 1835 was the first time and perhaps again in the 1850s, but not since.
No, I have not been a victim of a credit national assist scam.
Debt settlement is good for your credit rating. Just settle the debt and move on. Do not use a debt settlement company, ever.
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Debt Advice Foundation will only ever recommend free Debt Management Plan, where Debt Management is appropriate for your financial circumstances. Debt Advice Foundation is a registered UK charity offering free, confidential support and advice on any aspect of debt, including Debt Management.