For medical bills in collections, know that debt collectors generally buy debts for pennies on the dollar. That gives you some good leverage to negotiate to pay less than owed. Also, comb through your medical bills and spot any charges that seem wrong or too high, then be persistent in fo...
This option is used when the lender agrees to a reduced amount so that the debtor can quickly pay off the credit card debt in full. However, it takes work to agree to a debt settlement since who would want to get less money than they are owed? For this, you can appeal to a ...