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Watch Video: Steps to settle debts on your own

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DIY debt settlement steps

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How to settle debts successfully

  1. Calculate how much you owe
  2. Negotiate with your creditors/CAs
  3. Make a reasonable offer
  4. Pay the agreed amount
  5. Check the account status on your credit report

Why you should negotiate on your own

  1. You want to save on the debt settlement fees
  2. You want to avoid the settlement scams
  3. You want to directly negotiate with creditors/CAs

How much to save through settlement

Amount you can pay monthly on your debts.


DebtCC Wiki: How to negotiate and settle debts without any professional help

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    According to the Bureau of Labour Statistics, in U.S, workers were paid a fair amount of money per week in the year ending of 2012. There was a 4.7% increase in wage from 2011. However, the overall statistics says ,wages have been falling since 2012. This situation has forced the low paid workers to get into poverty.According to EPI (Economic Policy Institute) report, workers are suffering for the poor wage distribution. In recent times, two county (Manhattan and Los Angeles County) witnessed severe fal...

    Posted by good.nelly on Jun,26 2014Article Rating:
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    Paycheck optimisation series I: Eating healthy on a budget

    The federal agency, working under the U.S Department of Agriculture (USDA), Centre for Nutrition Policy and Promotion (CNPP) had released a report titled, “The Consumer Economic Perspective” that delved into a serious household concern, “can people spend less, yet get access to healthy food, always? ”. The highlights of the research report is as follows: USDA has formally introduced four kinds of food plan, namely - Thrifty, Low-Cost, Moderate-Cost and Liberal that provide a clear picture o...

    Posted by philbradford91 on May,12 2014Article Rating:
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    Money-saving prudence: How-to make this Easter a budget-friendly one

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    Posted by philbradford91 on Mar,25 2014Article Rating:
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    Why 2014 is the ideal year to close the doors on high interest debt

    With regards to your personal finances, 2014 might offer you the best chance to leverage the low interest rates and get out of debt as soon as possible. Since the economic catastrophe in 2008, the Federal Reserve has made continuous monthly bond purchases in order to keep interest rates exceptionally low and boost consumer borrowing and spending. With the US economy refurbishing itself, the Fed is gradually pulling back on its bond purchases (tapering). In anticipation of this decision of the Fed, the lon...

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DebtCC Answers: Get expert advice on negotiation strategies and settlement

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TOO many PDL

Jul,25 2014 by Bettina
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western sky and plain green

Category: Debt Problems
Jul,22 2014 by kim
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Settling my Debt

Jul,11 2014 by Jtxxl
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Jun,18 2014 by Rick
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broke student

Category: Debt Problems
Jun,13 2014 by christina

Community discussions on debt settlement



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* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.


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