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In this video tutorial, Ben, a former CEO of a debt settlement company, shares tips on how to settle debt effectively to save money. He explains the complexities of debt settlement and provides guidance on things to consider. By the end of the video, viewers will have a toolkit to help them settle their debt in a more efficient way, ultimately helping them get out of debt quickly and affordably. The video also covers topics such as settling debt independently versus using a debt settlement company, structured settlements versus lump sum settlements, and other important factors to consider. Welcome to Ascend Finances YouTube channel, where complex financial topics are explained in simple, understandable language.