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hey everybody John skiba here from the consumer Warrior YouTube channel and in this video Im going to give you three things that are key to settling your debt for pennies on the dollar but if this is your first time here to my YouTube Channel please go ahead and click subscribe check on that little bell that way youll be notified each and every week when I put out new videos thatll help you build your serious debt problem if you have you know if youre dealing with a lot of debt and youre deciding hey now is the time I need to get these things settled I need these things out of my life once and for all I want to give you three tips thatll help you to get the lowest settlement possible and put you in the best situation to get something thats you know something thats reasonable compared to what the Creditor is wanting you to pay which is likely going to be somewhere close to the full amount so the first thing you need to do is you need to act soon but not too soon now what I mean