Simplest Advice In Settling A Debt

This is a simple piece of advice that you may not already know.  Debt collectors almost always work on some form of a commission basis.  Those commissions and every facet of a collector's performance are calculated at the end of the month.  Therefore, the absolute best time to settle a debt is at the very end of the month.  The deal you may be able to negotiate at the end of the month can be literally thousands of dollars less than the deal you could negotiate at the first of the month.