What are the differences between Debt Settlement and Credit Counseling?

What are the differences between Debt Settlement and Credit Counseling?

2 Answers

Go through the following pages to know about the differences between debt settlement and credit counseling in details:

http://www.debtconsolidationcare.com/debt-settlement.html

http://www.debtconsolidationcare.com/credit-counseling.html


Credit counseling is the same as as a debt management program.  You work thru a third party making one payment to them and they dispurse the payments to your creditor.  Debt settlement is the process of paying a debt for less than the balance owed.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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