Bankruptcy vs Debt settlement. Which is better and why? Which will hurt your credit worse?

With these intense times, we am seriously meditative of Bankruptcy, vs debt settlement. we am not certain what is better? we know nothing of them have been good. we do comprehend that. But which a azygos looks intense upon your credit? Or should we contend which a azygos looks worse. we was told which debt allotment doesn’t show up upon credit though we find which rattling tough to believe. we exclusive wish genuine answers as well as we do not know where to turn.