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Do not pay a debt you negotiate unless you have a proper debt settlement letter in hand. Here are the things to look for in an agreement.

Reader Surly sends this terrific piece of advice from rock singer Andrew W.K.’s Village Voice column. Here’s the letter, and the beginning of Andrew W.K.’s response: Go back and read the opening sentences of your letter. Read them.

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Do not pay a debt you negotiate unless you have a proper debt settlement letter in hand. Here are the things to look for in an agreement.