Credit Counseling vs Debt Settlement

Credit Counseling vs Debt Settlement

Facing financial challenges can be a time where you find yourself vulnerable for a solution.  As you navigate the landscape of options in the debt solution world you will find bankruptcy, debt settlement and credit counseling.  All three are very different, with their own strengths and weaknesses.  It is important for you to learn the differences between your options and which is the best solution for your situation.

Debt Settlement and Credit Counseling are two of the most common solutions people are attracted to when they research their options.  WE ARE NOT DEBT SETTLEMENT!  This is important as you review the table below to learn the key differences between the debt settlement industry and credit counseling.

Review the table below to learn about the difference between Counseling and Settlement.

Important Questions To Ask

Credit Counseling

Debt Settlement

Will It Hurt My Credit? NO YES
Will You Continue To Pay My Creditors? YES NO
Will I Stop Getting Collection Calls At Home & At  Work? YES NO
Can My Wages Be Garnished When In The Program? NO YES
Can I Receive Court Summons When In Program? NO YES
If I Follow The Program Can You Guarantee My Debt To Be Paid? YES NO
Will I Continue To Get Late Fees? NO YES
Will I Continue To Get Over The Limit Fees? NO YES
Will This Bring Me Current With My Creditors? YES NO
Will I Receive Potential Attorney Fees? NO YES
Will My Debt Be Sent To Collections? NO YES
Will I Pay The Program Fees Up Front? NO YES

 

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