I was wondering if i need to take out a loan to get debt settlement. is debt settlement the same thing as debt consolidation? cant i just make payments to pay the damned thing off?! and finally can i do it myself or do i need help..:

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I was wondering if i need to take out a loan to get debt settlement. is debt settlement the same thing as debt consolidation? cant i just make payments to pay the damned thing off?! and finally can i do it myself or do i need help..:

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