So I spoke to someone at a debt consolidation care place and asked about effect on credit. he said the difference is that debt settlement hurts your credit, almost ilke bankruptcy, where as debt consol you still pay off in full and it helps credit by brining things current. is this true? i mean the guy didn't say they delete negative items or anything, it wasn't like one of those too good to be true things. I mean i'm hoping to get this current enough to hopefully within a year be able to get a car.........