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its time for Q a with the credit game although I am not a licensed trustee or credit counselor I get a lot of questions about that and so I thought it would be good for us to go through the pros and cons of debt settlement so Jess could you give a brief summary of some of the important highlights of this program debt settlement is where you or a license negotiate the amount owing to a company or lender you owe money to you must have access to funds to offer a one-time payment debt pooling or some companies offer monthly payment options but you wont get a discount the debt must be written off not paid for at least three months or with a collection agency the older the debt typically the better the discount there is a link in the more info section that outlines how to save thousands by negotiating the debt yourself so if it isnt an old debt or you dont have access to a large amount of money then its probably not worth watching the rest of this video correct however we do have links