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SpinDistribute.com Article Directory

The following article was published in our article directory on December 30, 2013.
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A Do-It-Yourself Guide To Faster Debt Settlement

Article Category: Finances

Author Name: Richard Baker

Falling into debt is something that can happen to all of us, even if we think we are sensible with money. Family emergencies, mounting bills, and the mounting cost of living can all result in us falling behind in our bills. Of course we want to be responsible borrowers, but if you are hurting financially there is no shame in negotiating a debt settlement rather than defaulting on your debts. In this case, do-it-yourself debt settlement is an option that you can consider.

The first step when working on a do-it-yourself debt settlement plan is to look at how much you are bringing in per month and subtract the amount you will need to pay for essentials, including food, rent, mortgage payments, tuition and utilities.

If you are receiving threatening calls from bill collectors, it should help you to remember that there are a wide variety of practices that are unlawful under the provisions of the Fair Debt Collection Practices Act including: 1) Not being able to call you repeatedly in a short period of time. 2) Telling your employer about your debts (unless it is unpaid child support payments). 3) Threatening to publicize your debts or that you will be jailed for non-payment.

In addition, they can only call you between eight in the morning and nine at night, and not at times that are deemed troublesome to you. You can get in touch with the National Consumer Law Center, your local state attorney general or Lexington Law to get more detailed information about your rights as a borrower, and what bill collectors can and cannot do.

While negotiations in a do-it-yourself debt settlement may be conducted verbally, once you successfully reach a deal, it should be documented in a written agreement. This agreement will include information such as the amount of debt outstanding, the settlement amount and any additional conditions - if you're settling the account over a certain amount of time. If part of your negotiations are communicated through letters with your creditors, keep copies of the letters that you have received and the letters you had sent out.

When you are negotiating a do-it-yourself debt settlement, it is very important to keep your head and not to be flustered by threatening letters and phone calls. Don't let these bullying tactics push you into making a quick settlement. Never accept their first offer or even the follow-up one. Stand firm and don't let the collection agency intimidate you or make you believe that they have an advantage over you. In order to achieve your goals in a do-it-yourself debt settlement, you must remember to always appear that you are in complete control during negotiations.

How much should you ask for in a do-it-yourself debt settlement? Add up all of your debts and approximate how much of them you can afford to pay, and then offer the collectors less than this amount. One common baseline is around 25% of your total debts, but you should make your decision based on your particular financial situation. If you can afford to pay a lump sum to settle your debts, you should do so since it can save you more money.

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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