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Lastly, do not give any cash to the lender or collector until you have in writing a settlement agreement. You are able to talk to a consumer law attorney to look within the agreement, if you want. Once you've it have read over it and have made a copy for your own records, you can pay off your debt and go forward. Create a copy on your own if collector or the lender refuses to give you an agreement in writing and sent it to them via certified mail using a return receipt. Be sure to make good on the settlement as this may be your last option to taking care of the debt once and for all!