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Here's another one, try to compare, the two settlement and release agreement: http://www.debtfreedestiny.com/debt-settlement/sample-letter-for-debt-settlement-agreement/

I agree with you there, although sometimes, the consumer just thinks that he/she needs to get out of debt faster, when in fact, he/she just needs to get out of debt period--and there really is no time pressure to do so. You know what I mean? Time pressure means that he/she has already received a jud...