Is Debt Arbitration and Settlement different than credit counseling and debt consolidation etc.?

A. Yes. With credit counseling or debt consolidation, a third party takes on the debt (and bills the consumer one payment instead of ten, etc), or simply works out a payment budget with the consumer.

In many cases, the creditor is not even involved. However, these methods are generally ineffective and not valued by consumers, because the crippling debt is usually still there in full. Debt Arbitration & Settlement seeks an agreement between consumer and debtor to settle the debt.

This is seen as advantageous by all. More.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.