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Remember. When you negioate with them, you are not just working out a bottom line $$$ dollar amount settlement. You are also working out and will only agree to pay if they wipe the credit score / fico clean. As if this never happened.
Get it in writing. They have this power. Tell them you want the status to say "Payed as Agreed" "Customer closed account"
Do not let them put in your record "settled for less" or "charge off" these will reflect poorly on your credit report.
Remember this tip is not just to get out of debt for less, but to get out and keep your credit clean like it never happened. Like a thief in the night.
Id have it no other way.
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