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Hi,
You will find some links here:
http://www.nationaldebtline.co.uk/england_wales/debt_advice.php
These are more designed for Britain but the basic layout should be suitable for many other countries.
Good luck
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Answer this Question: "Debt negotiation sample letter"
Debt negotiation sample letter
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I am looking for a sample letter I can send to creditors to negotiate a settlement. all I can find are how to guides and tons of ads for credit repair places. anybody have a good letter, or link to one?