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John Skiba discusses debt settlement in this video, a different topic from his usual focus on bankruptcy and defending debt collection lawsuits. He emphasizes the importance of having three key terms in your settlement agreement before making any payments or signing documents. Settling debts for less than the full amount can be a good option, avoiding lengthy litigation. It is crucial to understand these terms to effectively deal with your debt problems. Subscribe to his YouTube channel for more helpful videos on managing debt.