How To Settle Your Own Debt in 2026 (Lawyer Advice)

🛑 DISCLAIMER: The information provided in this video and description is for educational and informational purposes only and does not constitute legal advice. Please consult with a qualified attorney for legal advice regarding your specific situation. Want to negotiate a debt settlement on your own but aren't sure where to start? We sat down with consumer defense attorney John Skiba to get his insider secrets on how to negotiate effectively with creditors and debt collectors. 🤝 Settle your debt here: https://www.solosuit.com/solosettle?u... ⚖️ Respond to a debt lawsuit: https://www.solosuit.com/debt_answer?... 💡 Key Takeaways If you want to settle your debt, making empty bankruptcy threats isn't the best move. Instead, illustrate your actual financial hardship and other obligations (such as tax debts or child support), which can affect a creditor's ability to collect. Always make a realistic, fair offer, and be prepared to receive a counteroffer! ⏱️ Video Chapters 0:00 - Intro 0:46 - Don't threaten bankruptcy unless you actually mean it 1:28 - Give them reasons to accept your settlement offer (Prove hardship) 2:20 - Tell them about any other debts you have 2:45 - Be prepared for a counteroffer 2:54 - Make a fair, realistic offer 4:34 - How to negotiate with the opposing attorney 👤 About Our Guest John Skiba has 21 years of experience in consumer bankruptcy and debt defense. He runs the @Consumer_Warrior YouTube channel and owns Arizona Consumer Law Group, PLLC. Learn more: https://skibalaw.com/