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2. How to negotiate a debt settlement - AOL

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

   Whether you decide to negotiate a debt settlement on your own or through a debt relief company, there are six basic steps to negotiating a debt settlement. 1. Verify the debt

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

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

   A former bankruptcy attorney shows you the steps to negotiate your debts and regain control of your financial future. Keep reading to see how. ... Sometimes that meant helping them get a debt ...

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

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

   Key takeaways. You may be able to get out of debt without paying based on factors like your total debt, type of debt and income. Several programs are available to help forgive student loan debt ...

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 consolidation without a loan: Here’s how to do it

   www.aol.com/finance/alternatives-debt...

   You can negotiate with the debtor yourself or pay a fee to a debt relief company or lawyer to negotiate on your behalf. Be warned: Not all creditors will engage with a debt settlement company.

7. What is a debt consolidation loan — and can it help you lower ...

   www.aol.com/finance/what-is-a-debt-consolidation...

   Or you can use a debt settlement company that will negotiate on your behalf, taking a fee of 15% to 25% of your total settled debt — a stiff fee, but one that could be worth it if you don’t ...