Considering debt settlement? Negotiate and Settle Your Debts guides you to an extremely inexpensive way to do your own negotiating and settling of credit card debt. Also included are what the banks are accepting as settlements as of December 2012. Save thousands of dollars and improve the quality of your life with this very informative gem of a book. Contents include sample debt settlement letters, instructions on the timelines, how and when to start negotiating with your creditors, and much more.