Ever After
                            
                            
                            
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                                        To help consumers along their search for a legitimate debt settlement company,
here's a guideline:
-The settlement company's program must have a fast 
completion time. 12-36 months.
-The program must be able to protect and improve the 
consumer's credit standing.
-Must be a member of the Better Bu...
                                    
                                    
                                        Hello C, regarding debt settlement's effect on credit? it stays on the report for 7 years. 
debt management, on the other hand, stays only as long as you're in it.
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