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This process can be very beneficial for consumers as it can minimize there chances of bankruptcy. So it s not wrong to say that debt settlement is an alternative to bankruptcy. Debt settlement process can either be initiated by consumers themselves or it can be initiated by debt settlement agencies on the behalf of consumers. Settlement process initiates by the help of debt settlement offer letter from debtors to creditors. In debt settlement offer letter debtors offers the creditors or collection agencies that they are willing to pay the debt but not in full. They offer them to reschedule there debts with new monthly payments and new interest rates and wiped off some portion of there debts. Debt settlement offer letter is an initial step towards debt negotiations. During the negotiations debtors try to convince creditors to eliminate any late payment penalties or annual charges from there debts.
The other basic features of such letter include: Remuneration or Salary offered to the candidate Leave and vacation details • Job description and Nature of Duties • Benefits • At-Will Employment • Insurance if company has such provisions • Working Hours • Signature of HR personnel or employer The candidate should also note that receiving the offer letter and rushing to join the organization is not viable option for him. He must read the contents and should be satisfied with the condition salary and benefits of the company before offering his candidacy for the job.
Settlement offer letter can be the first step towards consumer s debt repayments. In the result of this letter consumers can get enough time for repayments. They start feeling more relaxation while creating monthly budgets. There monthly payments amount goes down because of lower interest rate. Debt settlement is only beneficial for consumers if they have huge debts and they really want to pay off all of there debts. It s a bit time consuming process but it can provide a great relief to consumers as they get rid of collection calls. The choice of settlement can also be beneficial for consumers as they get a chance to secure a good amount which they have to pay in the form of high interest rates before debt settlement.