A debt relief program involves negotiating with your creditors to reduce your debt. These programs are sometimes called debt settlement or debt adjusting programs. They can affect your credit report negatively, and can make it more difficult to apply for new credit. Furthermore, they are risky, since they can result in your creditors being sued[…]

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You may have heard about debt relief and debt settlement but are not sure how they work. It is possible to settle your accounts for a lower amount than you owe, but it may damage your credit score. You must carefully consider the risks before deciding to settle your debt. Here are some tips to[…]

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