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Lastly, don't give any cash to collector or the lender until you have a settlement agreement in writing. You are able to talk to a consumer law attorney to look over the deal should you want. Once you have read before signing over it, have it in writing, and have made a copy for the records, it is possible to pay off your debt and move on. Make a copy on your own, if the lender or collector refuses to supply you with an understanding in writing and sent it to them via certified mail using a return receipt. As this may be your last alternative to taking care of this debt once and for all, be sure to make good on the resolution!