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2. How to settle credit card debt - AOL

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

   Key takeaways. You might consider going through the debt settlement process if you have a lot of credit card debt. You can negotiate with the card issuer yourself or work with a reputable debt ...

3. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   Debt settlement is the process of negotiating with creditors to reduce overall debts in exchange for a lump sum payment. A successful settlement occurs when the creditor agrees to forgive a percentage of the total account balance. Normally, only unsecured debts, not secured by real assets like homes or autos, can be settled.

4. A comprehensive guide to debt relief programs - AOL

   www.aol.com/finance/debt-relief-guide-know...

   Debt settlement programs. With a debt settlement program, you or a third-party company negotiates with creditors to settle debts. If you choose the latter path, the company creates a dedicated ...

5. Debt validation - Wikipedia

   en.wikipedia.org/wiki/Debt_validation

   Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...

6. Debt collection - Wikipedia

   en.wikipedia.org/wiki/Debt_collection

   The collection agency makes money only if money is collected from the debtor (often known as a "No Collection - No Fee" basis). Depending on the type of debt, the age of the account and how many attempts have already been made to collect on it, the fee could range from 10% to 50% (though more typically the fee is 25% to 40%).

7. How to stick to your debt repayment plan - AOL

   www.aol.com/finance/stick-debt-repayment-plan...

   Debt settlement companies like National Debt Relief can help you reduce your payments and the total amount you owe by negotiating your balances with your creditors, allowing you to pay off your ...

8. Debt buyer (United States) - Wikipedia

   en.wikipedia.org/wiki/Debt_buyer_(United_States)

   Debt buyers may be classified as "active"—those who attempt to collect on the accounts they purchase, or "passive"—those who invest in the debt and then outsource the collection activities to a separate collection agency or collection law firm. Since Dodd–Frank, the "passive" debt buyer has all but become extinct. [citation needed]

9. Best debt relief options for credit card debt - AOL

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

   Cons of debt settlement. Negative impact on credit score. Fees associated with the debt settlement process, even if it is unsuccessful. Requirement to adhere to a structured repayment plan