It’s the end of the year and companies are closing out their books. This is the best time to get a debt negotiated and settled. Companies don’t want to keep bad debts on their books. They want to clear the decks for action in the new year. If debts are settled up now, they won’t be sent to lawyers for filing lawsuits at the beginning of January.
If you have a debt to settle, get it done now before the end of the year.
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A debt settlement company might say that less than 1% of the enrolled people finish the program, but they will say that many people leave after some of their debt has been settled and that’s why they have a low completion rate. I don’t know, it may work, but it sounds like you take all the risks and they collect money up front. If you are going to try and negotiate settlement of the debt, you might be better off just opening up an account and putting a set amount into it every month plus any surplus then using that the accumulated funds to settle some of the debts, at least you would be 15% ahead of working with the settlement company. I don’t know, it seems to me that if you start playing dirty with the creditors, they will start playing dirty with you too.
Take some solace in the fact that you’re not alone, there’s plenty of people struggling right now and it’s probably going to get worse before it gets better.