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

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

   Debt settlement: Another route is debt settlement, which involves settling your debt with the current lender (or collection agency, if it’s reached that point) for less than what you owe ...

3. What is debt forgiveness? - AOL

   www.aol.com/finance/debt-forgiveness-202301471.html

   Debt forgiveness is helpful, but it’s not a Get Out of Jail Free card. Here are some pros and cons to consider. ... They won’t negotiate a lower settlement amount but will request reduced ...

4. 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 ...

5. 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. ... Debt settlement programs.

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

7. Can a goodwill letter get late payments removed from your ...

   www.aol.com/finance/goodwill-letters-payments...

   A goodwill letter is a formal letter sent to a creditor, lender or collection agency to request forgiveness for a late payment or other negative item on your credit report. In the letter, you ...

8. 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. Typically, this is a lump-sum payment in exchange for forgiveness of the remaining balance.

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

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

   Credit settlement may help you eliminate credit card balances for less than you owe. However, this debt relief method has several risks. If you’re one of the millions of Americans struggling ...