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2. How to negotiate a debt settlement - AOL

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

   A portion of your payments will be held in an escrow account until there is enough money for the debt settlement company to offer a lump-sum payment to the creditor(s).

3. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   A portion of each payment is taken as fees for the debt settlement company, and the rest is put into the trust account. The consumer is told not to pay anything to the creditors. The debt settlement company's fees are usually specified in the enrollment contract, and may range from 10% to 75% of the total amount of debt to be settled. [13]

4. Debt Consolidation vs. Debt Settlement: Which Is Best for You ...

   www.aol.com/debt-consolidation-vs-debt...

   Debt Consolidation Pros and Cons. Pros: Simplified monthly payments. Potentially lower interest rates (average reduction of 5-10%) Maintained or improved credit score if payments are made on time

5. 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 ...

6. These are the best debt relief options — which is ... - AOL

   www.aol.com/finance/different-debt-relief...

   You’ll be responsible for depositing a monthly payment into an account the debt settlement company sets up. The process typically takes between 12 and 48 months.

7. Demand letter - Wikipedia

   en.wikipedia.org/wiki/Demand_letter

   A demand letter, letter of demand, [1] (of payment), or letter before claim, [2] is a letter stating a legal claim (usually drafted by a lawyer) which makes a demand for restitution or performance of some obligation, owing to the recipients' alleged breach of contract, or for a legal wrong.

8. What are debt relief companies and how do they work? - AOL

   www.aol.com/finance/debt-relief-companies-look-3...

   Key takeaways. Debt relief can take three forms: debt settlement, consolidation and management. Working with a debt management company can result in less debt or a faster payoff — but there are ...

9. 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 ...