 TITLE: Is It Better to Pay Off Debt or Settle It? CONTENT: Understanding Your Debt Payoff Options\n--------------------------------------\nWhile it's best to pay off debt that's in collections rather than settling it, both options are far more beneficial than ignoring the debt completely. You should give yourself credit for reaching the point at which you're ready to face your debt and get rid of it. While it may take time and effort, the promise of being debt-free is a meaningful, and realistic, goal to pursue. END