What is the best way to document a debt settlement?

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What is the difference between debt settlement and debt consolidation?
What happens to the debt that’s been settled?
How much should I expect to pay for a debt settlement service?
What happens if I miss a payment on a debt settlement?
How do I make sure I receive a fair settlement from my creditors?
Can I negotiate a lower interest rate as part of a debt settlement?
Are there any tax implications of debt settlement?
How do I know if debt settlement is right for me?
How do I protect my credit score during a debt settlement?
Do I need to hire a lawyer to negotiate a debt settlement?

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