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Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full. ... Read Article

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If you have gotten out of debt, what did you do to get out? What's the most important change that you made to become debt free? One day I woke up and realized I had $ 8,000.00 in credit card debt and other debt car $ 8,000.00. Not to mention my student loans. ... Read Article

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Holiday Savings Tips 2013: Award-Winning Book, "Money Smart" Shows How To Celebrate Debt-Free Holidays
"Showing our family and friends we care often means spending more than we can afford," says Mary C. Kelly, economist and author of "Money Smart: How Not to Buy Cat Food When You Don't Have a Cat," which won the Pinnacle Best Book Award. "Families often get into financial trouble during the holidays because they want to surprise someone with something really special, or they want to take ... Read News

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What To Do When A Settled Debt Resurfaces
Q. A few years ago, I worked with a hospital to settle an old debt from a visit to its emergency room. The debt has now resurfaced — this time with a collection agency. I'm fighting to get it removed from my credit report. Unfortunately, I no longer have the settlement paperwork from the hospital. What can I do at this point? What can I do to prevent this from happening again? ... Read News

Getting Out of Debt - Financial Literacy For College Students
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Getting Out of Credit Card Debt CPAs Know What Counts Do you dread opening the mailbox because of credit card bills? You’re not alone. Oklahoma CPAs offer advice for getting out — ... Read Here