What is the difference between debt settlement and debt consolidation?

Related FAQs

How do I find out the balance of my debt?
How long does it take to complete a debt settlement?
How do I know if a debt settlement company is reputable?
How do I report a debt settlement to the IRS?
Can I negotiate a lower interest rate as part of a debt settlement?
Does debt settlement hurt my chances of obtaining new credit?
What will happen to my credit score after a successful debt settlement?
Are there any risks associated with using a debt settlement firm?
Should I use a debt settlement company or negotiate directly with my creditors?
Can I negotiate a debt settlement without a debt settlement company?

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