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2. How to get out of debt without paying - AOL

   www.aol.com/finance/debt-without-paying...

   Debt settlement options exist, but they may come with long-term ramifications. ... “Going this route can help you eventually get free of your debt, but it will take a long time to get there ...

3. How to settle credit card debt - AOL

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

   Here’s what you need to know about credit card debt settlement. ... Be sure you can settle the debt before the interest-free period window ends. ... Once you reach an agreement, ensure all terms ...

4. How to negotiate a debt settlement - AOL

   www.aol.com/finance/negotiate-debt-settlement...

   Once you’ve reached a debt settlement agreement, send a letter to your creditor detailing the terms of the agreement. ... You can get a free copy of your credit reports from AnnualCreditReport ...

5. 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. ... Once you reach an agreement, ensure all terms are clearly outlined in writing before making any ...

6. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   Debt settlement (also called debt reduction, debt negotiation or debt resolution) is a settlement negotiated with a debtor's unsecured creditor. Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely.

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

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

   Debt settlement companies. Debt settlement companies are for-profit businesses that will try to negotiate lump-sum settlements with your creditors. Typically, you stop making payments to your ...