What is the difference between debt settlement and debt management?

Related FAQs

Should I use a debt settlement company or negotiate directly with my creditors?
How much should I expect to pay for a debt settlement service?
What are the potential consequences of a failed debt settlement?
When can I start making payments on my debt settlement?
How long will it take to settle a debt?
Can I negotiate a lower interest rate as part of a debt settlement?
Can I settle a debt if I’m unemployed?
What happens if I can’t afford to settle the debt in full?
What is the process for appealing a denied debt settlement?
Is debt settlement reported to credit bureaus?

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