Debt settlement vs consolidation?

Tips and Deals Forums Debt Management Debt Management Debt settlement vs consolidation?

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      I’m trying to get out of over $ 35 grand of credit card debt. I was told by The Credit Exchange that debt settlement (with lawyers, when you put away a monthly fee into an account) is cheaper than consolidating/counseling. Which is safer? Did you have much luck with either? Any help would be appreciated!

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