Debt consolidation 0R Debt settlement?

I'm having trouble deciding weather to move forward with "Debt consolidation" OR "Debt settlement. I'm VERY ready to begin my journey of becoming Debt FREE!! I just want to be sure that I choose the right program, I'm reading so much about both, keep going back n forth, need some HELP! Thanx, Stephanie..

Try debt MANAGEMENT. A good debt management company will contact your creditors and work out affordable payment arragements and will work with them to lower any interest rates,late fees, and sometimes settle your debt. I dont know what state you're in but im with town and country acceptance. they are based in birmingham alabama but operate in several states. I have 35000 in debt and will be debt free in 32 months! also, idont know if any of your debt is secured (car loans,etc) or from payday loans, but t+c will handle all of it, which very few debt settlement/mgmt companies do. Look them up in these forums or on the BBB website (BBB.org) to get more info and contact info. good luck hope this helped.

Look into debt management first. If you can't afford it than you may want to consider debt settlement.