You can settle debts even when you are being contacted by an attorney debt collector, have a lawsuit, or even a judgment. There is more to it, however, than settling with a collection agency or directly with your original creditor or bank.

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.