Debt Settlement is a way of legally requiring the alleged debt collector to produce key documents including evidence such as: 1.) contracts, 2.) original promissory notes, 3.) debt purchase and sales agreements, 4.) original, genuine, free from forgery debt instruments containing your wet ink signature, that prove the alleged debt collectors’ claim that you owe them any money at all. You, or a representative negotiating for you, makes an offer to your “alleged” creditor to settle the debt for less than what is owed.