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What is Debt Settlement?

Debt negotiation, also known as debt settlement, is the process of negotiating with your creditors to either establish a new payment schedule at a reduced interest rate, or allow you to make a lump sum payment.
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Debt vs Bad Debt

In order to manage your finances well, you need to be able to know the difference between good debt and bad debt. While the difference seems logical, most people are unaware of how their credit can be affected by the types of debt they carry.
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Debt Settlement
vs. Debt Consolidation

Debt consolidation and debt settlement are nearly identical. The idea behind each program is to combine all of your outstanding debts into one monthly payment. When you enroll in a debt consolidation program, you will work with a debt settlement expert.
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