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well i think the two words settlement and consolidation indicate the difference obviously both of them are dealing with debt settlements uh is usually done on a creditor by creditor basis you contact the creditor you say look i owe you money could we work something out so that i owe you twenty thousand how about if we drop it to ten thousand and i make some payments so there youre settling you can also come up if there is an unliquidated debt for example someones suing you in the california superior court and they dont have a judgment yet and you can see boy this is going to drag on the attorneys fees are going to be high couldnt we just settle and come up with a fixed dollar amount and have that be the end of it so the point of settlement generally speaking is just to deal with a particular creditor on a particular debt net consolidation as the name suggests involving consolidating a bunch of things into one so there are companies that will at least they profess to be able to co
