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Debt Settlement means that your principle balance of debt is negotiated down to a lesser amount. Settlement can be one of the most attractive options available to you if you have more debt than you can pay off in a 2 – 3 year time frame, or if you are unable to make the minimum monthly payments due to financial hardship. With a debt settlement program, MLG will negotiate on your behalf in order to lower your principle balance. In most cases, you can also lower your monthly payments due to the lower principle balance.