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I HAVE A LARGE AMOUNT OF CREDIT CARD DEBT THAT I AM REPAYING WITH MONTHLY PAYMENTS. I AM LOOKING FOR THE CORRECT SOLUTION TO RESOLVE THIS DEBT. DO I CONSOLIDATE IT OR GO THROUGH DEBT COUNSELING TO SETTLE IT? WHAT IS THE BEST SOLUTION?
From what I have read debt consolidation is probably your best bet because it doesn't have a negative affect on your credit like debt settlement does. But I guess it would depend on what you can afford as to which one you decide to do.