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http://information-on-debt-consolidation.blogspot.com/2011/11/what-is-debt-settlement.html[/postlink]
http://www.youtube.com/watch?v=o66cEk_yl1Yendofvid[starttext]The term "debt settlement" means negotiating with a creditor to reduce the amount of a delinquent debt to a lower amount you can afford to pay. The primary benefit of this strategy is to help you become debt free sooner, pay your debts on terms structured to your specific budget, avoid bankruptcy, and pay less than you would by making the minimum monthly payments. Please note: Negotiating your interest rate alone can save you hundreds - even thousands - of dollars.[endtext]
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