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Settlement
In a settlement process, a third-party agency discusses with a creditor and reconciles the entire debt through a lump sum amount that is normally less than the outstanding balance.
Consolidation
Debt consolidation is taking out a big loan in order to pay off all your other smaller loans. This method of resolving debt usually entails lesser or more attainable installment terms.
Personal Loans
A personal loan is borrowing funds from financial institutions, friends, or family and paying it off with interest. Personal loans may or may not require collateral and may vary in interest premiums depending on the organization lending you money.