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In contrast, debt settlement offers debt consolidation and a reduction in your outstanding debt of as much as 40 to 60 percent. In essence, it's the lowest cost solution to gaining relief from debt payments. Most people find that when they consolidate debt financial relief is almost immediate, giving them the peace of mind that they have been without for far too long.
How do you achieve debt settlement? Typically consumers who are in debt consult with a debt settlement company that can help them get out of debt and stay out of debt. There are many such companies that have resources available online. When choosing a debt settlement company, select one that:

* Offers a free debt consolidation quote or a debt consolidation online quote. A debt consolidation free online quote allows you to better understand your options when it comes to debt settlement.

* Offers a free debt calculator. You can't successfully achieve financial relief unless you truly understand how much you owe. A website's free debt calculator will help you see the hard truth - which is your first step toward financial relief.

* Has a fee structure that is below market pricing and provides a full written disclosure about their fees.

* Doesn't require payment until your debt settlement program has begun.

* Offers counselling sessions that allow you to ask as many questions as you'd like, communicate your financial situation, and express your concerns.

* Returns phone calls and answers emails within 24 hours.

As dismal as your financial situation seems, debt settlement is a road you can take that will lead you to financial relief.
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