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hey everybody John skiba here from the consumer Warrior YouTube channel and in todays video Im going to talk to you about settling debts if youre negotiating something with a creditor youre kind of putting all this together Im going to talk about three terms that you need to have in your settlement agreement to make it Rock Solid airtight help you get the debt settled and be able to move on if this is your first time here to my YouTube Channel please go ahead click subscribe check on that little bell that we will notify each and every day six days a week were doing videos now itll provide you with information on how to deal with serious debt problems all right lets talk about debt settlement a lot of these that Im going to talk about here are applicable to people who have actually been sued by their creditors and theyre negotiating some type of settlement where theyre trying to resolve it for less than the amount that theyre seeking but it also applies to if youre just cal