, all three of which fall under the larger umbrella of debt relief. With both debt consolidation and debt management, you repay the full principal owed. Only in debt settlement, which may also be referred to as debt forgiveness, are you paying back less than the principal amount owed—which is where several major differences arise, as discussed here.
If you choose to go the debt settlement route, it’s essential to vet any company you’re considering for legitimacy. Check that the company has the necessary licenses to operate and make sure watchdog institutions like the AFCC accredit it.Look for the company to be a member of the American Fair Credit Council, which supports, enforces and advocates for consumer rights for Americans with financial hardship and debt burdens.
Advisor No I left it behind back in 2022.
Advisor Teach that to joe Biden
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Advisor I tried a company called Hess Kennedy . The lawyer used the $8000 I had paid for her personal use . She did it to many others . My debt was never settled and I only got back $600. She was unable to practice as attorney for 3 years but kept her license . Google it