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I have just been informed by my college that I can't use this format. After paying for it and working with it for months, they prefer I use a format with expandable boxes for each indicator. This is a user friendly method but my only difficulty as been that the only information I can add to the PDF is what fits in the fixed boxes. This would be a suggestion in the formatting of this PDF.
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Support Sum Settlement: edit PDFs from anywhere

There’s an entire marketplace of applications out there to manage your documents 100% paper-free. Most of them offer all the essential document editing features but take up a lot of storage space on your computer and require installation. In case a simple online PDF editor is not enough, but a more flexible solution is needed, you can save time and process your PDF files faster with pdfFiller.

pdfFiller is a web-based document management platform with a wide selection of built-in modifying features. Create and modify documents in PDF, Word, image scans, TXT, and more common formats effortlessly. Make all the documents fillable, submit applications, complete forms, sign contracts, and so on.

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Offer a specific dollar amount that is roughly 30% of your outstanding account balance. The lender will probably counter with a higher percentage or dollar amount. If anything above 50% is suggested, consider trying to settle with a different creditor or simply put the money in savings to help pay future monthly bills.
Average Debt Settled by Debt Settlement Companies Then there are the fees to the debt settlement company, which are typically 15%. Sometimes that is 15% of the amount you originally owed. Sometimes that is 15% of the amount you paid.
Is debt settlement a good idea? The short answer: reviews are mixed. Debt settlement can help some people get out of debt at a cost that is less than what they owe. Here's how debt settlement works: you stop making payments to your creditors for a period of time, often six months or more.
A debt settlement remains on your credit report for seven years. As with all debts, larger balances have a proportionately larger impact on your credit score. If you are settling small accounts particularly if you are current on other, bigger loans then the impact of a debt settlement may be negligible.
If a lender forgives at least $600 worth of the principal on your debt, it must report the amount to the IRS via a 1099-C form. So, for example, a lump sum payment of $2,500 to settle a $4,500 credit card bill will mean you'll likely have to pay tax on an additional $2,000 in income next year.
Depending on the creditor and how much you owe, you may be able to settle for anywhere from 30% to 70% of the outstanding balance of your debt. Typically, a creditor will only consider a settlement when an account is delinquent, but you should keep in mind that they're not required to accept your offer.
A 'Full and Final' Settlement Offer, is also known as a Debt Settlement Offer (DSO). It is a solution for your debts that involves offering your creditors one large, lump sum payment to pay off your remaining debts, instead of continuing with your, usually unaffordable, situation.
Go over your income and expenses with a fine-tooth comb, figure out what you can afford, and only agree to pay a realistic amount. Generally, you can negotiate the best settlement on a debt if you can come up with a lump sum amount to resolve the debt. If you agree to a payment plan, you will likely pay more over time.

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