Federal law gives you 30 days to request that the collection agency validate your debt. This is legal speak for proving you really owe the money. You can use this sample letter to make the debt ...

Debt settlement ... present your offer. 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 ...

On average, debt settlement programs ... it yourself or working with a settlement company, drafting a short hardship letter that explains your situation and your offer can go a long way.

Keep this letter safe and use it to negotiate your debt further. Act quickly if a settlement offer is only available for a limited time. Debt settlement companies have experience negotiating debts ...

Getting a letter in the mail from the IRS can be ... To qualify for an OIC, the amount you offer as a settlement must generally be the most the IRS could expect to collect within a reasonable ...

A debt validation letter is one way to check for mistakes ... negotiating a smaller settlement amount or taking no action and accepting the consequences of bad credit. A debt collector can also ...