Verify the debt
Request written validation
Check the statute of limitations
Review your budget
Prioritize essential expenses
Save for a settlement amount
Negotiate a lump-sum settlement
Negotiate a payment plan
Get every agreement in writing
Make payments on time
Keep records of all communications
Avoid paying without validation
Consider debt consolidation
Consider a nonprofit credit counselor
Dispute inaccurate information
Monitor your credit reports
Confirm the account is closed after payment