Settlement or consolidation - What is the formula to decide?

Both are unsecured debts. In both cases, debt settlement and consolidation will work. I would suggest you to go for debt consolidation since that would allow you to pay off debts in full at a low interest rate. Your credit won't get hurt. But if you want to pay off debts quickly, then go for the settlement option. But mind you, your credit score will dip in this case.

You can consider debt settlement to gte out of debt. But you can also take out a consolidation loan to repay all your debts.

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