Tip - The Secrets of Settling Credit Card Debt | 5 Steps To Settling Your Debts For Less Than You Owe | TIME.com

You don't need to hire somebody to get your creditors to settle for less than what you owe. You can do it yourself, but there are some things you should know. Here are the "secrets" debt-settlement companies don't want you to know.
Tags: personal finance, saving & spending, bad debt, credit, credit card debt, debt, debt collection, haggling