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Find Out the 10 Common Questions About Bankruptcy with Colorado Bankruptcy Lawyers. This type of bankruptcy enables the debtor to combine their debts, reach an agreement on a lower overall number and submit to a three-to-five-year plan for debt repayment. Department of Justice’s list of accredited creditcounselors.
Understanding the Debt Collection Process The debt collection process typically initiates once a creditor concludes an account is non-performing, meaning the debtor has missed payments for several months. Payment Plan Negotiations : Collectors will often try to work out a payment plan or settlement agreement with the debtor.
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