Debt management and credit debt management settlement are two credit debt relief methods. These two credit debt relief methods are very different from each other but these methods have the ability to get relief for its consumers. After getting relief through this method; consumers secure a bright future. Whether one should use settlement method management method depends on the financial situation and repaying ability of the consumer. If you have enough money that you can repay the entire liability amount then you should go for debt managementand keep your rating secure. If you do not have enough funds to pay in full then you should go for settlement method.