Debt Payoff Guide is a free service that connects consumers with third-party debt-relief providers. We are not a lender, law firm, credit-counseling agency, or debt-settlement company, and we do not provide financial, legal, or tax advice. Information here is general and not a recommendation.
Debt settlement typically damages your credit in the short term. Stopping payments during the process leads to late marks, and settled accounts show as not paid in full. The trade-off is becoming debt-free for less than you owed. If protecting your score is the priority, a consolidation loan or management plan may fit better.
Related: Debt Help for Bad Credit · what debt relief costs · debt payoff calculator.
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