Can a Debt be Removed Without Paying?

Strictly speaking, yes. But there is a good chance that the negative debt listing will reappear on your credit report. There is a better solution than trying to avoid the debt. You can create a true win-win situation by settling your debt with the creditor.

In our experience the average consumer will settle a debt for about 75 cents on the dollar. A professional negotiator, on the other hand, typically will settle a debt for about 60 cents on the dollar, including their fees. Creditors will not take you half as seriously as they will your lawyer. Handled properly, you will save time and money by seeking the services of a good attorney to negotiate with your creditors.