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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. 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.

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. Best debt relief options for credit card debt - AOL

   www.aol.com/finance/best-debt-relief-options...

   Debt relief scams: Some criminals target those seeking help with credit card debt. Make sure that you know how to identify a debt relief scam, such as guarantees that you will qualify for debt ...

7. How to get debt relief - AOL

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

   If you have over $7,500 worth of unsecured debt and your credit is in bad shape, then seeking a program through a good debt relief company may be your best option. With a debt relief company, you ...

8. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   Debt settlement is a process that lets you settle large amounts of debt for less than you owe, and it is offered through for-profit debt settlement companies. Typically, these programs ask you to ...

9. How to consolidate debt without hurting your credit

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

   Faster debt repayment: The main advantage of consolidating debt is combining multiple monthly payments into a single monthly payment. This allows you to direct your payments to a single source.