Settlement
How to Negotiate Credit Card Settlement
The complete DIY guide. What to say, when to say it, and how to close the deal.
Read GuideCredit Card Debt
Credit card debt is the most negotiable consumer debt. Collectors who bought it paid pennies. Here's everything you need to deal with it.
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Strategy
How Much Will They Settle For?
Real settlement percentages by creditor type and delinquency status.
Read GuideKnow Your Rights
FDCPA
What Collectors Can and Cannot Do
The FDCPA rules. What's harassment, what's a violation, and how to fight back.
Read GuideFDCPA
How to Validate a Debt
Force collectors to prove the debt is real before you pay anything.
Read GuideIgnoring Debt
What Happens If You Ignore Collectors
The real consequences - and when ignoring is actually rational.
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Calculator
Settlement Calculator
Estimate a realistic settlement target before you call.
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Payoff Calculator
See how long minimum payments really take - and what it costs.
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15 Negotiation Scripts
Word-for-word phone scripts for every negotiation scenario.
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Letter
Settlement Offer Letter
Put your offer in writing and get their confirmation before paying.
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