What is the difference between debt negotiation and debt settlement?

Related FAQs

Does debt settlement hurt my chances of obtaining new credit?
What is the best way to document a debt settlement?
Can I negotiate multiple debts at once during the settlement process?
Are there any legal risks associated with debt settlement?
What is an unsecured debt and how does it impact debt settlement?
Should I use a debt settlement company or negotiate directly with my creditors?
How do I stop debt collection calls during the settlement process?
Can I negotiate a lower interest rate as part of a debt settlement?
What happens if a debt settlement is not completed on time?
How do I know if debt settlement is right for me?

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