What is the difference between debt settlement and debt management?

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How do I protect my credit score during a debt settlement?
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Can I negotiate a debt settlement without the help of an attorney?
Can creditors refuse to negotiate a debt settlement?
What is the average time frame for debt settlement negotiations?
What fees will I pay if I use a debt settlement company?
Is there a minimum debt amount to qualify for debt settlement?
What is the difference between debt settlement and debt management?
How much should I expect to pay for a debt settlement service?
How can I learn more about debt settlement laws in my state?

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