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    Photo of MeHello, I'm Scott... My research can help you find honest & reputable debt relief companies. I've met with the companies I suggest to ensure they provide REAL solutions.

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I have approx. 45-50k in unsecured debt- I have talked with a several agencies about a debt management vs debt settlement program-I would like to know how both programs will affect my credit report about 12-24 mos. later if all payments are timely-will my credit report reflect that I am in a c.c. program until the program is completed?which program will help you to raise your credit score faster once completed?

Your credit score will typically be damaged more severely with a debt settlement plan than

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I just signed up with Campos Chartered Law firm for debt settlement. Are they reputable? because I wanted consolidation and they told me it was consolidation of debt only to find out now it’s settlement.

The use of the word “consolidation” of debt can be very confusing. Consolidation is

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suggested firms are clients
Thank you for all the answers and concern for my debt. It is a great service you are providing."

--Randy

yes they were very helpful and were proven to be honest not like 3 other companies I dealt with. I did sign up for their program. Thank you for all your help. I have also referred a friend as well."

--Mary Beth

Thanks Scott for checking back with me, so far so good, this has been scary trying to find the right company to help me, I went with the company you recommended, they've been very helpful, I'll keep you posted, have a great day!

--Anne

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