Q: How can i settle with a creditor out of court? or is it possible to come to an agreement with them
A: Sure, it's more than possible to work out a settlement with a creditor if you want to. Telephone the creditor directly, tell them you'd like to work out a deal, ask them for their best terms, see what they say and then negotiate. A lot depends on how much money is owed, who the creditor is, whether it is the original creditor or a collection firm and more.
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