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How Does Debt Consolidation Stack Up Versus Debt Settlement?

By Talbert Williams

Debt settlements differ slightly from debt consolidation. It is

important to build or repair your credit rating, since nowadays

you practically need perfect credit in order to get a home, car,

personal loan, and so on. If your credit has any record of

negligence, most companies will turn you down.

If you need help with credit repair, you might want to hire an

expert who can get results; otherwise, if you have skills, then

it is important that you take care of your credit issues

immediately. Putting things off only add up more trouble. On the

other hand, getting things done now brings forth results, since

the effort you put in will be obvious.

Debt settlement solutions work to reduce your monthly

installments, as well as reducing the balance you owe. Some debt

settlement organizations will work to reduce your bills up to 70%

and claim to help you do this in less than two years. The

companies will also help you rebuild your credit and avoid


Although few debt settlement agencies and debt consolidation

companies will claim to help you get out of debt fast, you must

remember that none of us has the potential of being free from

debt entirely. We all pay utilities, rent, mortgages, insurance,

and so forth, so if you believe that you will be debt free in as

little as two years, then you are misleading yourself.

The debt settlement and debt consolidation agencies may help

relieve you of pending debts, but they will never be able to help

you free your life of debt entirely.

Finally, the advantage of debt settlement versus debt

consolidation is that you will reduce your bills, instead of

paying off your regular amount owed. Debt consolidation is merely

the act of combining all your bills, rolling them into one, and

paying one monthly installment.

Talbert Williams All rights reserved.

About The Author

Talbert Williams offers debt consolidation, debt reduction, credit card debt referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site:

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