You may need several phone calls or emails before the negotiations are complete. Once you’ve reached a debt settlement agreement, send a letter to your creditor detailing the terms of the agreement.

What to Expect in India Debt settlement offers a pathway to financial freedom for those struggling with overwhelming debt ...

many people opt to have negotiations handled by a debt relief company instead, which works with creditors on settlement agreements on your behalf. If successful, you could pay a lump sum that is ...