Is it up to me whether I choose consolidation or settlement?

Hi Selsa!

Yes! It is up to you to choose the debt consolidation or debt settlement program.

But talk to an expert first.

Thanks!

You can't consolidate debt if your financial situation doesn't permit to pay full. In such a situation, you will have to negotiate with your creditors, explain your situation, and try to settle your debts by paying off a less amount. You can also take the help of a settlement company for the purpose.

The best possible answer to your question can be given by a financial expert only. Because both consolidation and settlement are effective ways to get rid of debts. But it depends on your financial situation and debt amounts that which will be apt for you. So, don't wait. Call 800-DEBT-913 asap to talk to our expert financial coaches.