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Debt Settlement vs Bankruptcy
Explore our comprehensive guides and articles about Debt Settlement vs Bankruptcy.
December 19, 2025
Medical Debt, Collections & Settlement: What 2024–2025 Policy Changes Mean for You
Learn how CFPB and credit bureau changes in 2024–25 affect medical collections, settlement tactics, legal risk, and whether to settle or consider bankruptcy.
November 14, 2025
How Debt Settlement Affects Your Credit Long Term: Realistic Expectations and Timelines
Learn how debt settlement appears on credit reports, realistic recovery timelines, and practical steps to rebuild credit after settling debts.
November 14, 2025
How to Negotiate with Creditors Before Considering Settlement or Bankruptcy
Practical steps to negotiate with creditors, create affordable plans, and protect your rights before choosing debt settlement or bankruptcy. Scripts, documentation tips, and tax notes.