I'm in the typical falling behind pickle. I'm about 30-60 days behind on all my 6 credit cards, and 5 personal loans. plus i'm 40 days down on my car loan. I also have 5 PDLs out as well! I need to do something fast here...I dont want to go the BK route (did a chapter 7 6 years ago)...Question: is what is the difference betweeen debt consolidation vs. settlement? which is better? which ruins my credit more? Any help would be greatly appreciated. I dont sleep at night, and I'm looking for a 2nd job now...thanks!