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2. Paying off debt in tough financial times - AOL

   www.aol.com/finance/paying-off-debt-tough...

   Debt relief companies such as National Debt Relief negotiate with creditors to reduce the balance of your debt, allowing you to make payments within your means and pay off your debt in a ...

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

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

   The debt settlement company will tell you to stop paying your creditors to give it negotiation leverage. You can expect your score to take a massive hit when working with a settlement company.

4. How to get debt relief - AOL

   www.aol.com/finance/where-debt-relief-help...

   Debt relief companies are agencies that use a combination of tools, including counseling and debt settlement services, to help you get out of debt faster in exchange for a fee. Many require you to ...

5. Cram down - Wikipedia

   en.wikipedia.org/wiki/Cram_down

   In the mortgage context, the term "cramdown" has a distinct meaning than in a chapter 11 corporate bankruptcy. Instead of referring to the confirmation of a plan over the objection of an impaired class of creditors, a mortgage cram-down refers to reducing the creditor's allowed secured claim to the value of the collateral property.

6. Balance sheet recession - Wikipedia

   en.wikipedia.org/wiki/Balance_sheet_recession

   In Krugman's view, balance sheet recessions require private sector debt reduction strategies (e.g., mortgage refinancing) combined with higher government spending to offset declines from the private sector as it pays down its debt, writing in July 2014: "Unlike a financial panic, a balance sheet recession can’t be cured simply by restoring ...

7. A comprehensive guide to debt relief programs - AOL

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

   Debt forgiveness is typically used for non-credit-card debt, like student loans, mortgages, medical debt or even taxes. Pros of debt forgiveness programs All or part of your loan could be wiped out.