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hey everybody john skiba here from the consumer warrior youtube channel in today's video i'm going to talk about something a little bit different we often focus on bankruptcy and defending debt collection lawsuits today we're going to talk about debt settlement and specifically i'm going to give you three terms that you need to have in your settlement agreement before you pay any money or sign off on any documents if this is your first time here to my youtube channel please click subscribe check out that little bell that way you'll be able to fight each week when i put out new videos that'll help you deal to your serious debt problem all right let's talk about debt settlement a lot of these debt collection lawsuits or even just collection accounts are really good options just to try to settle them to pay something less than what it is that they're seeking and just be done with it rather than going to lengthy litigation now what i want to talk about though today is kind of some things...