Debt management program / credit counseling is a debt management program where a third party handles the monthly payment to your creditors.
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Debt settlement is a negotiation process where you pay a percentage of your unsecured debt to completely eliminate it.
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If you are a "Do It Yourself" type of a person and you prefer to control the debt relief negotiations process yourself, we can help guide you.
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Although the debt relief provided by bankruptcy is immediate, bankruptcy should be thought of only as a final resort. Our bankruptcy assistance program can help you through the process.
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