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In the wacky world of debt collection, debt buying, and credit reporting, paying off a debt you settle without having a documented agreement, is a mistake.And one you will regret later on if the credit card you thought was settled (other types of debt too) resurfaces in a way where a written agreement to accept less could show the account was resolved, instead of the headaches you may go through without one.We just discussed how to negotiate debts successfully on our own, but that doesn’t close the deal…yet.Negotiating debt and paying the new agreement requires a settlement letter.The verbal agreement will be for a set amount of money either paid all at once, or paid by making several installments over a set period of time, until the settlement agreement is met.
If the person who owes you money isn’t a complete dunce, he’ll see that you are serious about collecting the money you are owed and make a good effort to pay up.When someone owes you money, you can quickly find yourself in the personal debt collection business even though you don’t want to be.There are so many companies out there helping people escape their responsibilities.If that doesn’t work, take these steps to start collecting money you are owed: The person who owes you money has broken his/her word. The facts are that you did someone a favor and they’ve taking advantage of you. You are no longer friends and nothing you or they do from this point on is going to change that. Ask if you have it right or if you’ve made any mistakes about the date, the amount or the promise. They’ll pay you right then and there – this happens about as often as politicians live up to their promises, so don’t hold your breath. They’ll say you gave them a gift or made an investment or whatever. In this letter, you should demand that the person who owes you the money live up to their promises. The time for warm and fuzzy talk is over with this person. Call a local lawyer and get them to give you a quote for sending your “friend” a letter.
This doesn’t mean you have to pull out the heavy artillery. Give the letter you already sent to your attorney and make sure the lawyer rewrites it in her own words.Verbal communication with creditors and debt collectors are a necessary part of the debt negotiation process.How and when to communicate with creditors and debt collectors to negotiate with them is covered extensively throughout this site.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.