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Getting Out Of Credit Card Debt
Debt Settlement
(Guest) - You have the priority order of the options spot on. The reason the DIY option is recommended over the debt consolidation option is that with debt consolidation you are turning an unsecured loan into a secured one (in other words, you are staking your home). And as you say, debt settlement has negative consequences and should not be undertaken lightly.
The best advice is to give the DIY option your best shot and only move down the list if you are finding it impossible to make it work.
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Fair Options In Debt Settlement Are Available - Just Do Your Homework First
Which Debt Consolidation Solution is Right for You?
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