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In the wacky world of debt collection, debt buying, and credit reporting, paying off a debt you settle without having a documented agreement, is a mistake.And one you will regret later on if the credit card you thought was settled (other types of debt too) resurfaces in a way where a written agreement to accept less could show the account was resolved, instead of the headaches you may go through without one.Reaching the point where you have a verbal agreement to settle and pay off a debt for an amount you can afford is exciting, and a relief at the same time.You must be careful not to lose sight of what are still critical concerns before celebrating your success.If the above bulleted items are missing from your settlement letter, you should request a different letter be sent to you that meets the above specifications.Watch this quick video about debt settlement letters: Some of the large banks will not release a settlement letter to you until your payment arrangements are set up in their computer system. If you’re experiencing a creditor or collection agency holding back sending you a settlement letter, be sure to post about that in the comments below to get feedback about how each one of your creditors deals with this prior to settling, or negotiating your agreement and setting dates for payment.
When you’re negotiating directly with creditors, your settlements are generally going to be reached verbally first.Verbal communication with creditors and debt collectors are a necessary part of the debt negotiation process.How and when to communicate with creditors and debt collectors to negotiate with them is covered extensively throughout this site.One way to work around the delays of getting settlement letters mailed to you is to get them faxed to you.If you do not have access to a fax already, you can set up a virtual fax service.
There are some instances where I will recommend you record a phone conversation about agreeing to settle a debt.