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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.
Making an Offer If you are looking at making an offer be realistic about it. Don t offer what you don t have. Once you make an offer remember that the debtor will want the payment immediately. If you have $6000 to offer offer a lower amount. This will give you a little wiggle room for negotiation. Also remember that the offer needs to be realistic. If you have a $20 000 debt the creditor will likely not accept anything less than $10 000. Don t try to make an offer of less than 60% of the debt and actually expect results. Seeking Professional Help If you do not feel like you are qualified enough to negotiate a smaller payment price you have the option of finding an agent that will do it for you.
Then in the "Expectations" column write down the salary you want. Do that with each category so that you have a concise view of how the job offer letter compares to your expectations. 3. Focus on the things you want most. I m a proponent of win-win negotiation and I believe that to succeed at negotiating a job offer letter you need to be ready to make some compromises. Don t try to have everything your way. Decide which elements of the job offer letter are most important to you and put forth your counteroffer on those items in clear terms. But it s important to remember that there are some things you may want that they may not be able to offer because of company policies.