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Sample Debt Settlement Letters

Real offers of real debt relief!

Here are the images of the of settlement letters I have received from our creditors.  These are real, actual letters, minus our personal information I have obscured. All together, these letters freed us from $23,580.22 in credit card debt!

My wife's Settlement with Discover Card
55% of the balance
 My Settlement with MBNA
30% of the balance
Discover Settlement MBNA - Bank of America Settlement
My wife's Settlement with Chase
35% of the balance
My Settlement with GE Capital
42% of the balance
Chase Settlement GE Capital Settlement
My wife's Settlement with Capital One
41% of the balance
My Settlement with Citibank
60% of the balance
Capital One Settlement Letter Citibank Settlement
   

These sample debt settlement letters are the result of a long process of back and forth negotiation on the part of the settlement company I hired.  Their knowledge of my creditors, patience, and expertise landed me these huge savings.

If you are buried in debt, let these offer letters be an encouragement to you.  You can have the same type of savings if you act quickly and don't wait for your situation to get worse.

Take charge or your finances and aim for financial freedom!

Related Resources

Answering the Critics of Debt Settlement
The critics of debt settlement will only tell you half the story. Get the real answers to common myths that some of the "experts" try to push on you.

Will Debt Settlement Affect My Credit Score?
Learn the real truth - you will be pleasantly surprised - and probably relieved!

The Truth about Debt Settlement and Tax Liability on Cancelled Debt
Most people who settle their debt will not have to pay tax on the forgiven amount. Learn why here.

About Debt Settlement
Learn more about the benefits of debt settlement, how it works, and how it may help you avoid bankruptcy and get out of debt, as well as reducing your stress level!

My Settlements
Look here to see how much I saved by avoiding bankruptcy and using debt settlement.

Find a Reliable Debt Settlement Company
Get recommendations  and learn how to identify how a good settlement company works and a look at why hiring a professional might help.

Debt Settlement vs Debt Consolidation
Learn the differences and how to choose the right solution.

Debt Settlement Process
The settlement process can be tricky, but it's all explained here.  Learn what types of debt qualify for settlement and how and when your creditors will cut you some slack and free you from a big chunk of your debt.

Do It Yourself Debt Settlement
Information on how to handle your delinquent accounts with your creditors by yourself.

Dangers of Do It Yourself Debt Settlement
There are a few things to be aware of when you attempt to settle your debts yourself.  Educate yourself before you make the call.

Debt Settlement Frequently Asked Questions
Here you'll find a bunch of answers to your questions on debt settlement.  Answers about fees, taxes and credit score implications to tips on hiring the right settlement firm, they're all answered here.

Why I Chose Debt Settlement
These are the reasons that it was my choice to kick off my journey out of debt.

Benefits of Hiring a Debt Settlement Company
Skilled negotiators at settlement companies can save you time and the hassle of negotiating settlements and can often land you much better settlements that you can do yourself.

Debt Settlement vs Bankruptcy
Learn the differences and why debt settlement is a better choice.

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Did You Know...

49% of adults, and 66% of US high school students got F's on a national test on their knowledge of basic economic principles.

Food for Thought...

 "I'd rather go to bed without supper than rise in debt."
-
Ben Franklin.


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