An IRS offer in compromise enables you to settle tax debt for less than you owe. Eligibility requirements for these offers are specific, and the application process can take longer than a year.

Debt settlement ... Once you have a clear idea of how much you can offer, reach out to your creditors. You can call, email or send a letter. Be clear and make your request easy to read and ...

Dealing with debt ... through settlement, structured repayment or legal protection, there are multiple paths to regaining your financial freedom. Many credit counseling agencies also offer free ...

Bankruptcy is a serious decision with long-lasting consequences. Before taking that step, explore these six alternatives.