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“There is no dignity so impressive and no independence quite so important, as living within your means”  _Calvin Coolidge
"A bank is a place that will lend you money if you can prove that you don't need it." - Bob Hope

-If you offer to settle you must have it confirm in writing before they receive any money. Make sure the letter states "settlement in full".
-Choose to pay anybody you owe money order. Never give them access to your checking account or pay them by check.
- Beware of no payment, no interest, no down payment deals. Once the loan becomes due if you cannot pay you may owe thousands in interest. Interest charged are extremely high (25%-30%). Interest is retroactive back to the 1st date of the loan.  You will end up paying interest on interest and the pay due date given might be wrong so make sure you check on your own when the loan is due and pay it way before.

How to Control your Credit

Dealing with debt collectors

Debt Collection

To lend money or borrow money use either Prosper | Borrower or 

The Leader in Peer to Peer Lending: Loans and Investing | Lending Club

If using this as an investment never put $ you cannot afford to loose and spread into many accounts to reduce the risk. If you are using this as a borrower, this will give you access to small personal loans up to $35,000 to be use for everything from paying for wedding, for business and credit card debt. Interest rate will vary depending on your credit worthiness.
Use Affirm to borrow money at reasonable rates.