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Debt Negotiation - Why Pay Back Unsecured Debt in Full When You Can Negotiate a 50% Reduction?

Debt settlement can reduce the load of your debt by reducing the total balance amount. If you can afford to pay the minimum balance every month then loan forgiveness is not for you. The accounts which are past due can take advantage of this debt relief method. The credit card companies will not entertain your proposal of settlement if your account is not past due. This relief method has a negative impact on your credit report but it reduces a major load of your loans.

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