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hey everybody John skiba here from the consumer Warrior YouTube channel and in this video today Im going to talk about some of the differences in approaches and strategies to debt settlement and specifically talking about the pros and cons of offering a lump sum type settlement where youre offering a lump sum of cash payable fairly quickly as opposed to a payment plan over time but if this is your first time here to my YouTube Channel please click subscribe check on that little bell that way youll be notified each and every week when I put out new videos itll help you deal with serious debt problems all right lets talk about debt settlement so this is the process where youre offering some amount less than it is what the Creditor is seeking and you know often it kind of breaks down into two different approaches where you can offer a lump sum where youre paying them some lump sum of cash fairly quickly to get the settlement taken place as opposed to a payment plan over time I wan