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Debt Relief vs Debt Consolidation
Understanding your options is the first step to financial freedom.
💼 Debt Relief
✓ Negotiates to reduce total debt owed
✓ Best for: $10,000+ in unsecured debt
✓ Timeline: Typically 24-48 months
✓ May impact credit temporarily
📋 Debt Consolidation
✓ Combines multiple debts into one payment
✓ Best for: Steady income, good credit
✓ Timeline: Funds in days to weeks
✓ May improve credit with on-time payments
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