Should I stick with debt management, or use debt settlement?

I am currently enrolled in a program with CCCS of MD and DE, and pay about $200 less per month than when I was paying my creditors individually. I will make this payment for the next 4 years. I was told about debt settlement, but I am worried about how not paying my cc's until I have the settlement amount will afect my ability to rent an apartment. Any thoughts? Pros/cons on each? Thanks

Answers:
There are two negatives to debt settlement. One is the loan is reported as negative information on your credit report, because the lender is losing money. The second is the amount of money you do not have to pay is reported as income. Keep paying on schedule and if you can squeeze a little extra in your payments, you should be able to get out of debt faster.

If you can flat-out not afford to make the required payments, then debt settlement is better than ignoring the debts or bankruptcy.
debt settlement gets you out of debt faster and cheaper in most cases.. debt management you will pay less per month but interest is a killer, because your still paying more than the original amount.. if you settle your debt then your debt gets eliminated, no more payments, interest and so forth and in most cases they will take less money than you owe its just then wanting SOME money rather than NO money
Hi,
I used "Loan Web" to consolidate my debt.They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here:
http://www.jdoqocy.com/click-1813149-102...

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