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Core, we have two programs: debt consolidation and debt settlement. The principal difference between the two methods is how payment are handled.
Debt consolidation, you can pay for services into a single bill, so to get a split and creditors paid. This allows your payment amount, monthly invoices on time, the typical interest rates low. The merger is the best choice in a number of creditors and private high interest.
Reconciliation, on the other hand, we need to stop payment of the money to pay creditors, instead of a special account. The payoff of settlement services to be less than the amount negotiated with creditors, and sufficient to pay when your account to satisfy the debt is automatically retrieve it is rewarded. Reconciliation is the best, these high levels of debt.
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