What is the difference between debt negotiation and debt settlement?

Related FAQs

Is debt settlement reported to credit bureaus?
Can I negotiate a debt settlement without a debt settlement company?
What will happen to my credit score after a successful debt settlement?
What is a lump-sum debt settlement and how does it work?
How does a creditor determine if a debt should be settled?
How do I find out the balance of my debt?
Can I negotiate a debt settlement over the phone?
Can I negotiate debt settlement with multiple creditors at once?
What is a deemed satisfaction and how does that apply to debt settlement?
Is there a minimum debt amount to qualify for debt settlement?

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