Credit Counseling Lawyer

Debt settlement vs consolidation?
I’m trying to get out of over $35 grand of credit card debt. I was told by The Credit Exchange that debt settlement (with lawyers, when you put away a monthly fee into an account) is cheaper than consolidating/counseling. Which is safer? Did you have much luck with either? Any help would be appreciated!
before I do either
I would check statute of limitations and read thru
creditinfocenter.com and buddhibbs.com
Bankruptcy Attorney or Bankruptcy Lawyer in Charlotte NC – What is Credit Counseling?
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