What is the difference between debt negotiation and debt settlement?

Related FAQs

How do I know if a debt settlement company is legitimate?
What are the guidelines for debt settlement under law?
What if the creditor refuses to settle the debt?
What documents do I need to provide during a debt settlement process?
Can creditors refuse to negotiate a debt settlement?
What should I do if I can’t agree on a settlement amount?
How much should I expect to pay for a debt settlement service?
Are there any costs associated with a successful debt settlement?
When can I start making payments on my debt settlement?
Does debt settlement hurt my chances of obtaining new credit?

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