Debt Settlement Sample Letters

Despite some bad press and some predatory companies that take advantage of people who are in debt, consumers everywhere are settling their credit card debt on past due accounts with virtually every credit card company in the industry.

Below is a list of some sample debt settlement letters that represent negotiated settlements on overdue credit card accounts from a cross section of people who couldn’t pay them.  For whatever reason (poor money management, overwhelming medical bills, loss of employment) lots of people find themselves in deep financial trouble and have chosen debt settlement as a safe and practical alternative to bankruptcy or doing nothing.

Debt Settlement is not without risk and it’s always advised to get professional financial advice before making a decision to proceed with any major financial decision.

Sample Debt Settlement Offer and Agreement Letters from major credit card companies:

American Express Sample Debt Settlement Letter

Bank of America Sample Debt Settlement Letter

Barclays Bank Sample Debt Settlement Letter

Capital One Sample Debt Settlement Letter

Chase Bank Sample Debt Settlement Letter

Citibank Citi Cards Sample Debt Settlement Letter

Discover Card Sample Debt Settlement Letter

GE Money Bank Sample Debt Settlement Letter

Juniper Bank Sample Debt Settlement Letter

MBNA Sample Debt Settlement Letter

Wells Fargo Sample Debt Settlement Letter

Settlements like these can be achieved a couple ways:

1) You can hire a reputable debt settlement company to handle the negotiating and harassing phone calls for you.

or

2) You can do the negotiating yourself. Do it yourself debt settlement programs like Zipdebt, Zero Balance, and Consumer Recovery Network offer great advice to help you negotiate the best settlement possible.