If you are a DIY reader, be sure to participate in the comment sections of relevant page topics in order to get feedback about timing and targeting for your debts you are looking to settle.

The comment section at the bottom of this page is the perfect place to post questions about a settlement letter you have received, or what you could do if you’re having a hard time getting one sent to you.

Reaching the point where you have a verbal agreement to settle and pay off a debt for an amount you can afford is exciting, and a relief at the same time.

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One way to work around the delays of getting settlement letters mailed to you is to get them faxed to you.

If you do not have access to a fax already, you can set up a virtual fax service.

The bulleted items above are what you want to see in a settlement letter to cover yourself.

Settling with a third-party debt collector means you must get the above details documented before remitting any payment towards the agreement.

There are some instances where I will recommend you record a phone conversation about agreeing to settle a debt.

I always encourage you to tell the debt collector that you are recording the call and why (they refuse to send you the agreement in writing before payment is set up).This information will help you focus on crossing the debt settlement finish line with confidence – when your success is documented.When you’re negotiating directly with creditors, your settlements are generally going to be reached verbally first.Your targeted settlement amounts will be different from one account to the next.If you’re working with someone in the network, you’ll be able to set realistic settlement percentage targets, timelines, and goals using real-time data about your creditors and the debt collectors involved.If the above bulleted items are missing from your settlement letter, you should request a different letter be sent to you that meets the above specifications.