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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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DebtCC Answers: Get expert advice on negotiation strategies and settlement

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consolidate my debt

Category: US Taxation
Apr,18 2014 by Lamonten
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Registration Loans

Apr,17 2014 by Josalyn
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Getting further into debt

Apr,14 2014 by Vergil Lawrence
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Title Loans

Category: Debt Problems
Apr,13 2014 by Donald Titswort
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debt consolidating

Apr,07 2014 by Lamonten
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Wage Garnishment

Category: Debt Problems
Apr,04 2014 by Nina
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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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