The timing of your settlement offer could have a big impact on how much you ultimately pay to get rid of your debt.

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Creditors and third-party debt collectors file hundreds of thousands of ...

Debt management restructures your debt so you can pay it off. Debt settlement involves some amount of debt forgiveness. If you don't qualify for debt management, debt settlement might work for you.

Credit settlement may help you eliminate credit card balances for less than you owe. However, this debt relief method has several risks. If you’re one of the millions of Americans struggling with ...

Debt settlement means paying less than you owe to close out an account balance. Many consumers hire debt settlement companies or attorneys to help them negotiate debt. You may be able to save money by ...

See how the top companies offering debt relief stack up on fees, minimum debt requirements and potential savings. This page includes information about these cards, currently unavailable on NerdWallet.