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Do it yourself free debt settlement to chargeoff credit cards, or let a professional debt settlement company negotiate with creditors to settle balances owed.

If you have more debt than you can repay and if credit counseling, debt consolidation or other management and payoff options aren't for you, chargeoffs may be an option for you.

Before you send in a final payment, be sure to first get a debt settlement agreement in writing from the creditor that spells out the negotiated chargeoff and how the chargeoff will be listed on your credit report. Again, a professional debt settlement company is experienced with these procedures and can take the hassle of paperwork and letters off your back.

Let a Debt Settlement Company Negotiate Chargeoffs