justalittleunwell
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what are the qualifications of debt consolidation programs?
1) For bankruptcy - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre41.shtm
2) For credit counseling - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
3) For debt settlement - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cr...
The debt settlement program would usually take 12-36 months to finish.
And it would reflect on the credit report as "settled", "settled for less than the full balance", or "settled in full."
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