What is the difference between debt negotiation and debt settlement?

Related FAQs

What are my rights and options when it comes to settling debt?
Are there any ways to avoid paying for a debt settlement service?
How can I make a debt settlement offer more attractive to creditors?
What is a lump-sum debt settlement and how does it work?
Can I negotiate a debt settlement over the phone?
Are there any legal requirements to debt settlement?
What should I do if a creditor refuses to negotiate a debt settlement?
How do I stop debt collection calls during the settlement process?
Is debt settlement a better solution than bankruptcy?
Are there any potential risks if I choose not to settle my debts?

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