Included with your Do It Yourself Debt Settlement Guide are the following Tools to guide you through the process of effectively negotiating and settling your debt:
CREDITOR NEGOTIATION
Negotiation Preparation Our Guide will prepare you to negotiate with creditors and gather all the materials needed to be totally prepared.
Legal Document to stop Harassment (Phone Calls) Included with our guide is a Cease and Desist Letter to stop phone calls and harassment, legally, using the proper language and wording.
Verbal and Written Legal Language All our Documents are hand crafted and proven to work using the proper legal language and wording needed.
Creditor Reaction Analysis and Preparation Our Guide will discuss potential scenarios, so that you are fully prepared to react to various situations, based on years of experience with these negotiations.
Proven Successful Negotiation Techniques Our Guide provides you with proven successful techniques for negotiating and settling debts for less than you owe. Making offers and counter offers, negotiating the lowering of interest rates, the erasing of late and over-limit fees and the acceptance of lump sum payments and\or monthly payment options.
Negotiation Acceptance Recommendations We will discuss proposals that we consider acceptable.
Acceptance of Verbal and Written Offers Once you have come to an agreement, whether written or verbal, we will show you how to confirm and document those agreements legally, to protect yourself.
Credit Reporting Negotiation Techniques One of the most important steps in the process is negotiating the reporting of the debt to credit bureaus. We will show you how to negotiate your agreements so that the reporting of the debt will not adversely effect your credit rating.
Collection Agency Negotiation Preparation We will discuss the steps to be taken when dealing with collection agents and prepare you to negotiate with them.
Debt Verification (Statute of Limitations - by state) In some cases, if your debt is old enough, you may be able to completely remove the entire debt from your credit without paying one penny. We will provide you with all 50 state statutes explaining the number of years necessary to qualify for this process.
SAMPLE LEGAL DOCUMENTS FOR THE NEGOTIATION PROCESS included:
"Cease and Desist”
"Confirmation For Lump Sum Settlement”
"Confirmation For Payment Plan Settlement”
"Counteroffer”
"Unsolicited Offer”
"Remittance Letter – Lump Sum Settlement”
"Remittance Letter – Payment Plan”
