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05-May-2017 23:25

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On average, the creditors may lower your payoff balance as much as 50 percent of what you currently owe.This payoff amount can be higher or lower depending on the creditors and the extent of your hardship situation.Debt Settlement is typically for consumers with debts over ,000 that need a significant reduction in debt in order to see any light at the end of the tunnel.

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Consumer Credit Counseling Programs are a form of debt management where you enter into a formal agreement with a third party company who negotiates a voluntary debt repayment plan at reduced interest rates on your behalf, with all of your high interest unsecured creditors.

You pay the third party a set monthly payment that you can afford, and the debt consolidation agency handles the distribution of funds to the creditors.



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