{"id":172,"date":"2024-12-24T20:16:21","date_gmt":"2024-12-24T20:16:21","guid":{"rendered":"https:\/\/debtfreecounselor.com\/?page_id=172"},"modified":"2024-12-24T20:16:36","modified_gmt":"2024-12-24T20:16:36","slug":"debt-settlement-your-debt-relief-solution-in-2012","status":"publish","type":"page","link":"https:\/\/debtfreecounselor.com\/blog\/debt-settlement-your-debt-relief-solution-in-2012","title":{"rendered":"Debt Settlement \u2013 Your Debt Relief Solution in 2012"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Whenever people look for <strong>debt relief<\/strong> companies, they don\u2019t know whether to go with debt settlement, credit consolidation or something else. What people need to understand is the difference in between <em>debt settlement companies<\/em> with other <em>debt relief companies<\/em>. Debt settlement programs are the only form of debt relief that relieve you of a percentage of your principle and all the interest.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"180\" src=\"https:\/\/debtfreecounselor.com\/wp-content\/uploads\/2024\/12\/2012-Debt-Relief.jpg\" alt=\"Debt Settlement \u2013 Your Debt Relief Solution in 2012\" class=\"wp-image-173\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n\n\n\n<p>When people hear that a program can reduce so much debt, they are believe it\u2019s too good to be true or that it\u2019s equivalent to bankruptcy, both of which are untrue. Debt settlement is possible because creditors agree to reduce debts when they haven\u2019t been paid for a while and do not want to spend the resources to take a debtor to court. This is usually true with individual debts under $20,000.<\/p>\n\n\n\n<p>Also, it is nowhere near as bad as bankruptcy because a debt settlement program does <strong>NOT<\/strong> come up on your credit report and doesn\u2019t leave a nasty blemish for 7-10 years. You do take a hit on your score for being delinquent, but that\u2019s easily repairable and won\u2019t take long.<\/p>\n\n\n\n<p>This entry was posted and tagged <a href=\"https:\/\/debtfreecounselor.com\/blog\/debt-settlement-your-debt-relief-solution-in-2012\/\">2012 debt relief<\/a>. Bookmark the <a href=\"https:\/\/debtfreecounselor.com\/blog\/debt-settlement-your-debt-relief-solution-in-2012\/\">permalink<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/debtfreecounselor.com\/blog\/raising-your-credit-score-after-a-debt-relief-program\/\">Raising Your Credit Score after a Debt Relief Program \u2192<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whenever people look for debt relief companies, they don\u2019t know whether to go with debt settlement, credit consolidation or something else. What people need to understand is the difference in between debt settlement companies with other debt relief companies. Debt settlement programs are the only form of debt relief that relieve you of a percentage &hellip; <a href=\"https:\/\/debtfreecounselor.com\/blog\/debt-settlement-your-debt-relief-solution-in-2012\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Debt Settlement \u2013 Your Debt Relief Solution in 2012&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-172","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Debt Settlement \u2013 Your Debt Relief Solution in 2012 | Debt Free Counselor<\/title>\n<meta name=\"description\" content=\"Also, it is nowhere near as bad as bankruptcy because a debt settlement program\" \/>\n<meta name=\"robots\" content=\"index, follow, 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