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Types Of Debt
- Medical bills
- Credit cards
- Department store cards
- Personal loans
- Bounced checks
- Home mortgage
- Auto loan
The Original Creditor
- Before you attempt to settle
- Debt settlement steps
- The kind of personal circumstances a creditor likes to see
- The kind of personal circumstances a creditor does not likes to see
- How much should I offer
- How to pay
- Don't forget to negotiate your credit rating
Collection Agencies
- Before you attempt to settle a debt, check the statute of limitations
- Identify your debts
- Who do you contact?
- How to contact the collection agency
- How much to offer
- Tips on paying once you have agreed on a number
- Negotiating yhour credit rating on a collection
Writing The Offer For Any Situation
- Confirmation of acceptance of verbal offer
- Counteroffer to an offer
- Unsolicited offers
General Negotiation Tips For Any Situation
- Keep good records!
- Charm is definitely a virtue
- Hang up and try another rep!
Where To Dig Up Cash For Those Settlements
- Sell off some assets
- Borrow from a friend or relative
- And more
Legal Aspects Of Debt Settlement
- Can debt settlement stop creditor lawsuits?
- Tax consequences of debt settlement
- And more
Alternatives To Debt Settlement
- Non-profit consolidation companies
- Debt settlement companies
- And more
How To Make Sure You Don't Have To Go Through This Again
- The "B" word
- Find easy money
- And more
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Sample Letters
- Acceptance of a verbal offer
- Agreement to settle a debt
- And more
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Please have the best day you can have.
