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2. What are debt relief companies and how do they work? - AOL

   www.aol.com/finance/debt-relief-companies-look-3...

   Key takeaways. Debt relief can take three forms: debt settlement, consolidation and management. Working with a debt management company can result in less debt or a faster payoff — but there are ...

3. 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]

4. How to negotiate debt with credit card companies - AOL

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

   Debt settlement companies can potentially save you time and money, but there are potential issues with this approach. First, if you stop paying your credit card company, it will report late ...

5. What happens when you can’t repay a payday loan? - AOL

   www.aol.com/finance/happens-t-repay-payday-loan...

   When you can’t repay a payday loan, several things are likely to happen as a result.

6. Settlement offer - Wikipedia

   en.wikipedia.org/wiki/Settlement_offer

   A settlement offer or offer to settle is an offer to resolve an outstanding issue or account. This may involve a statutory offer to compromise in a civil lawsuit.In either case, it involves communication from one party to the other suggesting a settlement, or an agreement to fully and finally resolve the outstanding issue, account, or dispute.

7. Debt validation - Wikipedia

   en.wikipedia.org/wiki/Debt_validation

   Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...