Which is Better? Credit Counseling or Debt Settlement?

The federal government comes up with an answer — and as usual, it’s complicated

Debt.com

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By Howard Dvorkin

This will sound odd coming from a CPA and financial author but stick with me. When I’m asked which is better, credit counseling or debt settlement, I often reply, “Which toothpaste do you use?”

When I was younger, I constantly asked my dentist about the best toothpaste on the market. Was it Tartar Control Crest? Colgate Complete Whitening…

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