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SpinDistribute.com Article Directory

The following article was published in our article directory on January 7, 2014.
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The Quickest Debt Settlement With Little Money Down

Article Category: Finances

Author Name: Richard Baker

Before starting a debt settlement, you should always have enough money at hand to offer to your creditors. Keep in mind that they would rather receive some money rather than risk you not paying the entire amount that you owe.

Although you can negotiate a payment plan over a certain period, it is better for you if you can settle with a lump sum since you could be worse off if you suffer a financial reversal, and you suddenly find yourself unable to continue servicing the settlement. In addition, creditors may be more open to a settlement if you can offer them cash.

How much should you save up for your debt settlement? The main and only consideration should be how much you can afford. While creditors will naturally coerce you to pay more, you should not give in to them and should continue to offer just what you can pay and no more than that.

If you are saving up for a debt settlement, it is very important that you open a dedicated account earmarked for this purpose; make sure it is separate from the regular account you maintain to pay your daily living expenses. Having a separate account will help you to avoid the temptation to spend the money, which is a big advantage if you have problems managing your finances. It also makes it easier for you to monitor the amount of money in the account, so that you'll know when you have enough for the settlement.

In addition, the account should be set up at a bank that is different from the one that you normally use, because if your regular account shows that you have more money than what you offered in the settlement, creditors will demand more money from you. And you cannot argue with them that this money is reserved for living expenses or mortgage payments, because creditors simply will not care.

If you are using a professional debt settlement service, you will usually be asked to start a third-party escrow account into which you will deposit funds until you have enough for a negotiated agreement. Once the desired amount has been reached in the account, the debt negotiator will begin to talk to your creditors on your behalf. Once a settlement amount has been reached, the money in the escrow account will be used to pay it. However, there are monthly fees associated with the escrow account that you will have to absorb. In addition, the account should be set up such that the money can be released to you at any time you request it.

If you are planning to do your own debt settlement, you can use a self-saver account. This account is set up at your local bank and is a checking account that allows you to fund settlements through auto-debit or check by phone. There are no charges associated with this account other than what the bank charges in the regular course of business. Once a debt settlement agreement has been reached with your creditor you can withdraw money from the account to fund it.

You can also delete your debts quickly - without a settlement - with the help of Lexington Law credit repair specialists. They can size-up your circumstance (for free) and show you the set of laws that can quickly delete your debts. Call toll free: 1-877-679-3877

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