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There are a number of ways by which people try to wriggle free from under the weight of debt that is closing in on them. People are always looking for debt management solutions to help them with their financial overdue, debt and burden. As such, they are vulnerable and are willing to take their chances. For this reason, when you hear about different debt management solutions such as credit card debt settlement that includes debt negotiation and settlement, they may be misinterpreted with consumer debt counseling. It is imperative that people understand the difference between debt management jargon prior to deciding how to settle their credit card debt.