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There are long term consequences to your credit rating when you have debt written off against you. To find out more of the pros and cons of consolidating debt using debt settlement services, click here.

Some people think of home equity as how much they’ve paid off on their mortgage.

A Debt Management Program (DMP) is a way of consolidating your unsecured debts without borrowing more money.

It allows you to get out of debt by making one monthly payment that fits your budget.

To learn more about consolidating debt payments with a Debt Management Program, click here.

To “settle your debts” means to offer your creditors a one-time lump sum payment to pay off part of what you owe them.