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2. How to settle credit card debt - AOL

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

   You have several options available when settling your credit card debt. You can do it yourself, enlist the services of a reputable third-party debt settlement firm, file for bankruptcy, consider ...

3. Do I have to pay off credit card debt that’s been sold to a ...

   www.aol.com/finance/pay-off-credit-card-debt...

   When you fail to repay credit card balances you owe, those unpaid debts are eventually sold to third-party debt collection agencies. This means you no longer owe the credit card company for the ...

4. How to tell if debt settlement is a good idea for you - AOL

   www.aol.com/finance/tell-debt-settlement-good...

   How much can debt settlement save me? On average, debt settlement services may help consumers save nearly 50% on their credit card balances, according to a report from the American Association for ...

5. Debt buyer (United States) - Wikipedia

   en.wikipedia.org/wiki/Debt_buyer_(United_States)

   The debt collection industry which includes debt buyers, "in-house collection departments, third-party collection agencies, and collection attorneys", recover and return "billions of dollars in delinquent debt" to "card issuers and other creditors" annually which "increase[s] the availability of consumer credit and reduce[s] its cost". [2]

6. ACA International - Wikipedia

   en.wikipedia.org/wiki/ACA_International

   ACA International is a trade group located in the United States representing debt collection agencies, creditors, debt buyers, collection attorneys, and debt collection industry service providers. ACA International is based in Minneapolis and Washington, D.C. with members located throughout the U.S. and more than 60 other countries.

7. Fair debt collection - Wikipedia

   en.wikipedia.org/wiki/Fair_debt_collection

   U.S. state laws on fair debt collection generally fall into two categories: laws which require persons who are collecting debts from consumers to be licensed, registered or bonded in order to collect from consumers in their states, and laws that protect consumers from specific unfair practices by debt collectors, which may include collection agencies and sometimes original creditors. [2]