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Debt Settlement

Debt Settlement involves direct negotiations between your lawyer and your creditors to arrive at a reduced lump-sump payment amount.

Debt Settlement avoids bankruptcy completely and is far less damaging to your credit.

Debt Settlement requires a lawyer to ensure that the negotiated settlement payments are honored by the creditors and to track and record the settlement payment.

For Debt Settlement to be an option, you must have at least 50% of the outstanding debt available in cash for immediate payment to the creditors.