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✅ Debt Settlement = Negotiating with a debt collector or creditor to pay less than the full amount you owe.
➡️ Not every creditor is willing to settle and not all debts are eligible for settlement. Debts that often can be settled: past-due credit card debt, medical debt, income taxes.
➡️ Often faster than other debt-relief options, but this depends on your negotiation skills and the willingness of the creditor.
📉 How does settlement impact your credit score?
This depends on how the creditor reports the account to the credit bureaus. If you've already. missed several payments (usually required to settle successfully), your score has likely already dropped significantly,, so settlement may not harm it much more.
❓Questions? Let us know in the comments!
