Learn how to negotiate your debt settlement with these expert tips and strategies. Reduce your debt and take control of your ...

Once you’ve reached a debt settlement agreement, send a letter to your creditor detailing the terms of the agreement. Include the settlement amount and note that the creditor is accepting that ...

One of the FDCPA rules states that collectors must provide you with a written “validation letter,” which spells out the value of the debt, to whom they claim you owe it and since when.