What is the difference between debt settlement and debt consolidation?

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What documents do I need to provide during a debt settlement process?
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What should I look for in a good debt settlement company?
What is the best way to negotiate a debt settlement?
Are there any risks associated with using a debt settlement firm?
Are there any ways to avoid paying for a debt settlement service?
What is the difference between debt negotiation and debt settlement?
Can I negotiate debt settlement with multiple creditors at once?
What will happen to my credit score after a successful debt settlement?
What is a lump-sum debt settlement and how does it work?

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