{"id":1469,"date":"2022-06-20T18:27:13","date_gmt":"2022-06-20T18:27:13","guid":{"rendered":"https:\/\/garanticesufuturo.com\/?page_id=1469"},"modified":"2024-01-25T15:04:16","modified_gmt":"2024-01-25T15:04:16","slug":"eliminacion-deudas","status":"publish","type":"page","link":"https:\/\/garanticesufuturo.com\/en\/eliminacion-deudas\/","title":{"rendered":"Eliminacion deudas"},"content":{"rendered":"
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When we talk about negotiating directly with creditors, we mean \u201cpaying in full and immediately\u201d accounts that are past due, in collections, or possibly already have civil lawsuits.<\/p>

Creditors are generally willing to reduce and cancel debts as long as a full cash payment is made.<\/p>

When a bank sells an account to a collection agency, it does so for a fraction of the original amount. When the account is in collection, it's much easier to negotiate a reduction in the debt payment because the collection agency bought it for much less than the original value. We've achieved debt reductions for our clients of up to less than 50%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Likewise, second mortgages and home equity lines of credit have a strong incentive to negotiate principal reduction. In most cases, when a property goes into foreclosure or a person files for bankruptcy and surrenders the home, the bank holding the second mortgage and home equity lines of credit doesn't receive a single cent. For this reason, these debts can be reduced by up to 10% of the balance.<\/p>

To improve your credit score, collections must be paid in full. Otherwise, if you enter into an installment payment agreement, your credit score will decrease, and the account will remain in collections until you pay it off.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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When you negotiate the accounts yourself:<\/p>