A debt collector may be open to settling your debt, but that doesn't mean they have to accept what you offer. /iStockphoto .

If a creditor doesn’t think you’ll be able to pay back your debt, they may agree to let you pay off your credit card for less ...

While debt settlement companies often advertise that ... Meet with a bankruptcy lawyer. A bankruptcy attorney can help consumers understand whether or not bankruptcy would be a viable option ...

Credit card debt settlement is an option when you're experiencing financial strain and want to reduce your overall debt. You can negotiate with the card issuer yourself or work with an attorney or ...