You can negotiate with your creditors to settle your debt by paying a lump-sum amount that’s less than what you owe. Here’s ...

When you deny a credit card debt settlement offer, creditors may take one of ... text messages and letters sent to your home to try and recover the outstanding balance. In some cases, creditors ...

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 ...

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.

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