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foreign [Music] do you want to know the difference between debt settlement and bankruptcy before I answer that question make sure you click subscribe on our YouTube channel and click on the Bell icon and that way when we release more information you will be the first to get notified so what is the difference between debt settlement and bankruptcy debt settlement is the process where you're simply paying off your debts for less than what you owe bankruptcy on the other hand has a couple of different options there's chapter 7 and there's chapter 13. chapter 7 is an option that most consumers are familiar with where it completely wipes out almost all of your debt but your credit score dips for a while and it's going to be on your credit report for seven to ten years now Chapter 13 Bankruptcy is similar to a debt forgiveness program where the Court decides on how much you're going to pay your creditors back within a certain amount of time frame that&

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