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Whats the difference between debt consolidation debt validation and debt settlement?


Debt consolidation...debt relief or a scam?
I keep seeing these ads where you can consolidate all of your debt into one monthly payment and have your interest rate reduced. But is this the same as a settlement? Does it affect your credit as badly as declaring bankruptcy would?

What is the difference between debt consolidation & debt counseling & anything else of ths sort & whch is best
Starting off w Christmas gifts one year, then having to move & needing money to do that & money to buy things needed, then buying things I needed for my & my mother's health, etc...is how it started & has since escalated. I started getting credit card & at first, payments weren't so bad. I started buying groceries w the CC's, when we were low on money & now it's all crept up on me. " Introductory offers" are now expiring & the " no payment for 90 days" offers are up. So now my payments are doubling I thought my income tax could help, but I discovered my job had been taking out the wrong of exemptions on me ALL year, so I'm not getting but a couple hundred dollars back I had 2 chng jobs, making less money, never had a problem b4 & honestly, never looked check stubs 2 notice earlier . So I chngd my W4, nw my chks r gng 2 be even LESS HELP I need 2 do something. What route is BEST? & how can I find the Best help, for which ever option is best? Thanks

Loan Consolidation/Debt?
I was wondering if anyone has heard of used a credit counseling debt consolidation company called Care One. If you have heard of it or used it, is there anything you can tell me about it? Just looking for some info before I do anything. Thanks

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