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

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

    The agency works to negotiate a lower bill or interest rate on your behalf and, in some cases, can get your debt canceled. Supplement your income: Whatever you need to do to start paying off your ...

  3. A Lawyer Shows You How to Negotiate Down Your Debts With ...

    www.aol.com/lawyer-shows-negotiate-down-debts...

    It is crucial to document everything for your records, so consider sending a letter via certified mail for proof of delivery. Negotiating your debts down is not only possible, it can be a powerful ...

  4. How to get out of debt with a low income - AOL

    www.aol.com/finance/debt-low-income-215227915.html

    Lower credit card use score (“utilization”) to under 30 percent of your debt. Check your credit reports regularly to ensure there are no mistakes. Debt consolidation can be a good strategy if ...

  5. 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. When settlements are finalized, the terms are put in writing.

  6. Debt management plan - Wikipedia

    en.wikipedia.org/wiki/Debt_management_plan

    Debt management plan (DMP) is an agreement between a debtor and a creditor that addresses the terms of an outstanding debt. [1] This commonly refers to a personal finance process of individuals addressing high consumer debt. Debt management plans help reduce outstanding, unsecured debts over time to

  7. List of spreadsheet software - Wikipedia

    en.wikipedia.org/wiki/List_of_spreadsheet_software

    Both free and paid versions are available. It can handle Microsoft Excel .xls and .xlsx files, and also produce other file formats such as .et, .txt, .csv, .pdf, and .dbf. It supports multiple tabs, VBA macro and PDF converting. [10] Lotus SmartSuite Lotus 123 – for MS Windows. In its MS-DOS (character cell) version, widely considered to be ...

  8. 7 tips to help dig your way out of debt - AOL

    www.aol.com/finance/debt-6-best-ways-210336794.html

    Not all debts are bad ones. But bad debts can hang heavy around your neck and create long-term financial strain. Here’s the good news about bad debt: You can reduce it. When you have a clear ...

  9. Debt consolidation - Wikipedia

    en.wikipedia.org/wiki/Debt_consolidation

    Debt generally refers to money owed by one party, the debtor, to a second party, the creditor.It is generally subject to repayments of principal and interest. [9] Interest is the fee charged by the creditor to the debtor, generally calculated as a percentage of the principal sum per year known as an interest rate and generally paid periodically at intervals, such as monthly.