Ok, I searched for a sample debt settlement letter, which pulled up thousands of entries! LOL I'm going to try to get some of the CA (This is Commercial Debt) to settle for less than I owe. Hopefully this will work with them as well as it worked with the lowered payment letter I sent to reduce by business loan (They reduced that almost in half!) Anyone have a sample they'd like to share? Also, what should I offer? Half? Less? (None of the debts are for more than 1000, most are around 3-500) Dawn
