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SpinDistribute.com Article Directory

The following article was published in our article directory on January 10, 2014.
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Quick Debt Settlement At A Fraction Of The Cost

Article Category: Finances

Author Name: Richard Baker

Debt negotiation with your creditors can help you get your financial situation back under control if you are struggling with debt. It can also help you avoid more drastic measures such as declaring bankruptcy or defaulting on your loans.

However, negotiating with creditors can be difficult, particularly since they will do everything in their power to frighten and intimidate you, so that you will give in to their demands. It takes a lot of inner strength to stand up to them, but if you can successfully do so, you can settle your debts for much less than what you actually owe.

Before starting a debt negotiation, you should save up a certain amount of money that you can offer to your creditors as a settlement, since this will strengthen your bargaining position. While you can negotiate a payment plan if you don't have all the cash in hand, you would be better off if you can offer them a lump sum payment all at once.

Another thing to keep in mind during a debt negotiation is the vulnerabilities of your creditors. For example, if the amount you owe is small, it is not worth it for them to sue you for the amount, as suing is expensive and there is no assurance they will get the result they want.

The first step in a successful debt negotiation plan is for you to make it clear to your creditor that you can no longer service your debts. To do this, you will have to stop paying your debts for a few months in order to show that you are having trouble with your financial situation. This means that you will have to endure collection calls for a while. Once you've established this, you can start negotiations with your creditors.

You should start the negotiation by hinting to them that if they do not negotiate with you, you may have to declare bankruptcy, in which case they will get nothing. In Chapter 7 bankruptcies and many Chapter 11 filings, the entire amount of unsecured debt is discharged and most creditors would rather settle, even for pennies on the dollar, than have to default the entire amount.

The next step in debt negotiation is to have a strategy that involves knowing just how much you are able to pay, so that you'll know how much to negotiate the settlement for. To illustrate, if you owe $10,000 and you know you can only afford to pay $5,000, you should start by offering them a smaller settlement, say 15% less than $5,000, in order to give yourself room to haggle. Never begin a negotiation with a number that you can actually afford, since your creditors will coerce you to increase the settlement amount.

When entering into debt negotiation, try to settle all the debt that you owe, so that you can clear your financial situation. If you can't remove all the debt, you should at least aim to clear most of it, and leave enough debt that you can pay in a realistic period of time. If you can't clear around 50% of your debt, there's no point in entering into negotiations, since you will not be any better off.

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

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