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2. How to settle credit card debt - AOL

   www.aol.com/finance/settle-credit-card-debt...

   Debt settlement involves negotiating with your creditors to pay off a portion of what you owe. Typically, this is a lump-sum payment in exchange for forgiveness of the remaining balance.

3. These are the best debt relief options — which is ... - AOL

   www.aol.com/finance/different-debt-relief...

   Common forms include debt settlement, debt management, debt consolidation and bankruptcy. ... Credit counseling: Credit counseling is a free or low-cost option that helps consumers get a better ...

4. A comprehensive guide to debt relief programs - AOL

   www.aol.com/finance/debt-relief-guide-know...

   Debt settlement programs. With a debt settlement program, you or a third-party company negotiates with creditors to settle debts. If you choose the latter path, the company creates a dedicated ...

5. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   A portion of each payment is taken as fees for the debt settlement company, and the rest is put into the trust account. The consumer is told not to pay anything to the creditors. The debt settlement company's fees are usually specified in the enrollment contract, and may range from 10% to 75% of the total amount of debt to be settled. [13]

6. Debt relief - Wikipedia

   en.wikipedia.org/wiki/Debt_relief

   Debt relief, on an individual level, refers mainly to the negotiation for a reduction of a debt by either the consumer or a debt settlement agency. Through this arrangement, consumers agree to pay the creditor a fixed amount of money (generally a discount on their outstanding debt) either in a lump sum or under a payment plan.

7. Demand letter - Wikipedia

   en.wikipedia.org/wiki/Demand_letter

   In personal injury claims, the settlement negotiation process begins by the victim submitting a demand letter to the insurance companies. The purpose of the demand letter is to present facts about the accident in order to persuade the insurance companies to provide adequate compensation. A typical demand letter is structured in the following ...