What is the difference between debt settlement and debt consolidation?

Related FAQs

When can I start making payments on my debt settlement?
Can I negotiate a debt settlement on my own?
Is debt settlement a good way to reduce debt?
What documents do I need to provide during a debt settlement process?
What penalties or interest can creditors charge when settling debt?
Is there any way to expedite the debt settlement process?
Are there any drawbacks to settling a debt?
Does debt settlement hurt my chances of obtaining new credit?
What is the best way to document a debt settlement?
What should I do if a creditor refuses to negotiate a debt settlement?

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