Is there a benefit to debt consolidation verses debt settlem

The debt consolidation program and the debt settlement program have their own benefits and way of working. Please read the links below on each of these programs.

http://www.debtconsolidationcare.com/benefits.html

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

People with huge amount of debts and not able to afford the consolidation payments go for a debt settlement plan. If your debt is not huge, you'll pay the principal amount. The interest rates will be lowered down and most fees can be waived off. Your repayment plans will be worked out after going through your monthly income and expenses and the program gets started.

If you want the debt to reduce by 40 to 60 percent from the existing total, debt settlement is a good option. What is your situation?

$45,000.00 in debt, can't afford payments, settlement or consolidation