--- title: "10 Settlement Quotes By Jean Chatzky" description: "10 Settlement quotes by Jean Chatzky. Plus more from Jean Chatzky and more Settlement sayings from other authors." image: "https://sms4smile.com/quotes/i/e0e/jean-chatzky-15313_attorney_if-you-re-filing-bankruptcy-you-will-lik_3047853.png" --- > [If you're filing bankruptcy, you will likely want to hire an attorney. But for debt settlement, a company is sufficient, or as…](https://sms4smile.com/quotes/jean-chatzky/if-you-re-filing-bankruptcy-you-will-likely-want-to-hire-an-attorney/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/e0e/jean-chatzky-15313_attorney_if-you-re-filing-bankruptcy-you-will-lik_3047853.png) > [You really don't need to hire a debt settlement company to negotiate with your creditors.](https://sms4smile.com/quotes/jean-chatzky/you-really-don-t-need-to-hire-a-debt-settlement-company-to-negotiate/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/9f4/jean-chatzky-15313_business_you-really-don-t-need-to-hire-a-debt-set_2043195.png) > [If you'd asked me a few years ago about debt settlement companies, I probably would have told you to avoid them.](https://sms4smile.com/quotes/jean-chatzky/if-you-d-asked-me-a-few-years-ago-about-debt-settlement-companies-i/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/2bf/jean-chatzky-15313_company_if-you-d-asked-me-a-few-years-ago-about_1404822.png) > [If you are able to settle, you'll be getting off rather easy. Debt settlement companies can sometimes get you off the hook…](https://sms4smile.com/quotes/jean-chatzky/if-you-are-able-to-settle-you-ll-be-getting-off-rather-easy-debt/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/b6b/jean-chatzky-15313_able_if-you-are-able-to-settle-you-ll-be-gett_2077884.png) > [Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you…](https://sms4smile.com/quotes/jean-chatzky/debt-settlement-companies-work-as-a-middleman-between-you-and-your/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/741/jean-chatzky-15313_able_debt-settlement-companies-work-as-a-midd_1297298.png) > [The Bankruptcy Reform Act of 2005 made it harder for individuals to file bankruptcy, which is always the last resort. Unfortunately, simultaneously…](https://sms4smile.com/quotes/jean-chatzky/the-bankruptcy-reform-act-of-2005-made-it-harder-for-individuals-to/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/2eb/jean-chatzky-15313_bankruptcy_the-bankruptcy-reform-act-of-2005-made-i_797735.jpg) > [You settled a debt instead of paying in full will stay on your credit report for as long as the individual accounts…](https://sms4smile.com/quotes/jean-chatzky/you-settled-a-debt-instead-of-paying-in-full-will-stay-on-your-credit/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/d95/jean-chatzky-15313_accounts_you-settled-a-debt-instead-of-paying-in_2006679.png) > [Once the settlement is completed, the credit card company will report it to the credit bureaus, which will then make a notation…](https://sms4smile.com/quotes/jean-chatzky/once-the-settlement-is-completed-the-credit-card-company-will-report/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/94e/jean-chatzky-15313_accounts_once-the-settlement-is-completed-the-cre_1712785.jpg) > [In most cases, if you've gotten to this point, you've already received a letter or phone message from your creditor with the…](https://sms4smile.com/quotes/jean-chatzky/in-most-cases-if-you-ve-gotten-to-this-point-you-ve-already-received/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/48c/jean-chatzky-15313_answers_in-most-cases-if-you-ve-gotten-to-this-p_2247569.png) > [The debt settlement company will direct you to stop paying your creditor and instead send the money directly to them each month.…](https://sms4smile.com/quotes/jean-chatzky/the-debt-settlement-company-will-direct-you-to-stop-paying-your/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) [Image](https://sms4smile.com/quotes/i/f1d/jean-chatzky-15313_amount_the-debt-settlement-company-will-direct_3004308.png) ## Other authors on Settlement ## More by Jean Chatzky > [It's not about having it all. It's about having what you value most.](https://sms4smile.com/quotes/jean-chatzky/it-s-not-about-having-it-all-it-s-about-having-what-you-value-most/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [Get your friends involved. Let your shopping buddies know that you're on a tight budget, and they can help you out when your willpower…](https://sms4smile.com/quotes/jean-chatzky/get-your-friends-involved-let-your-shopping-buddies-know-that-you-re/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [You must be sure - and I mean absolutely positive - that you have the willpower to pay off those credit cards and not…](https://sms4smile.com/quotes/jean-chatzky/you-must-be-sure-and-i-mean-absolutely-positive-that-you-have-the/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [A little personality goes a long way.](https://sms4smile.com/quotes/jean-chatzky/a-little-personality-goes-a-long-way/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [The Bankruptcy Reform Act of 2005 made it harder for individuals to file bankruptcy, which is always the last resort. Unfortunately, simultaneously consumers racked…](https://sms4smile.com/quotes/jean-chatzky/the-bankruptcy-reform-act-of-2005-made-it-harder-for-individuals-to/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [Save for your goals. Take note of what's coming your way - vacations, the holidays, what ever is going to cost you money -…](https://sms4smile.com/quotes/jean-chatzky/save-for-your-goals-take-note-of-what-s-coming-your-way-vacations-the/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers…](https://sms4smile.com/quotes/jean-chatzky/turn-down-offers-for-new-cards-or-credit-line-increases-on-your/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [When you default on a secured debt, the creditor takes the asset that backs up that debt. When you convert credit card debt to…](https://sms4smile.com/quotes/jean-chatzky/when-you-default-on-a-secured-debt-the-creditor-takes-the-asset-that/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [A consolidation makes sense only if you can lower your overall interest rate. Many people consolidate by taking out a home equity line loan…](https://sms4smile.com/quotes/jean-chatzky/a-consolidation-makes-sense-only-if-you-can-lower-your-overall/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [Sometimes a creditor is willingto do this as a bargaining point - you give the creditor cash in hand, it gives you a positive…](https://sms4smile.com/quotes/jean-chatzky/sometimes-a-creditor-is-willingto-do-this-as-a-bargaining-point-you/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you should be…](https://sms4smile.com/quotes/jean-chatzky/debt-settlement-companies-work-as-a-middleman-between-you-and-your/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC…](https://sms4smile.com/quotes/jean-chatzky/you-also-need-to-understand-that-when-you-consolidate-credit-card/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [If you'd asked me a few years ago about debt settlement companies, I probably would have told you to avoid them.](https://sms4smile.com/quotes/jean-chatzky/if-you-d-asked-me-a-few-years-ago-about-debt-settlement-companies-i/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [If you are, consolidating at a lower interest rate can help you pay off your debt faster. But if there's even a small chance…](https://sms4smile.com/quotes/jean-chatzky/if-you-are-consolidating-at-a-lower-interest-rate-can-help-you-pay/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) > [You won't be caught off guard and you won't feel guilty, because you'll be spending money that you've allocated for the occasion.](https://sms4smile.com/quotes/jean-chatzky/you-won-t-be-caught-off-guard-and-you-won-t-feel-guilty-because-you/) [Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "ItemList", "@id": "https://sms4smile.com/quotes/about/settlement/jean-chatzky/#itemlist", "name": "10 Settlement Quotes By Jean Chatzky", "numberOfItems": 10, "itemListElement": [ { "@type": "ListItem", "position": 1, "item": { "@type": "Quotation", "text": "If you're filing bankruptcy, you will likely want to hire an attorney. 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Debt settlement companies can sometimes get you off the hook for a large percentage of your debt - in many cases, up to 50% will be written off.", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/if-you-are-able-to-settle-you-ll-be-getting-off-rather-easy-debt/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/b6b/jean-chatzky-15313_able_if-you-are-able-to-settle-you-ll-be-gett_2077884.png", "contentUrl": "https://sms4smile.com/quotes/i/b6b/jean-chatzky-15313_able_if-you-are-able-to-settle-you-ll-be-gett_2077884.png", "url": "https://sms4smile.com/quotes/i/b6b/jean-chatzky-15313_able_if-you-are-able-to-settle-you-ll-be-gett_2077884.png", "width": 1080, "height": 1080, "caption": "“If you are able to settle, you'll be getting off rather easy. 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You'll also pay a fee to the debt settlement company, usually either a percentage of the total debt you have or a percentage of the total amount forgiven.", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/debt-settlement-companies-work-as-a-middleman-between-you-and-your/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/741/jean-chatzky-15313_able_debt-settlement-companies-work-as-a-midd_1297298.png", "contentUrl": "https://sms4smile.com/quotes/i/741/jean-chatzky-15313_able_debt-settlement-companies-work-as-a-midd_1297298.png", "url": "https://sms4smile.com/quotes/i/741/jean-chatzky-15313_able_debt-settlement-companies-work-as-a-midd_1297298.png", "width": 1080, "height": 1080, "caption": "“Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a…” — Jean Chatzky", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } } }, { "@type": "ListItem", "position": 6, "item": { "@type": "Quotation", "text": "The Bankruptcy Reform Act of 2005 made it harder for individuals to file bankruptcy, which is always the last resort. Unfortunately, simultaneously consumers racked up so much debt that counseling companies - which are higher up on my list if you need help managing your debt - are sometimes unable to help. So if you fall into this camp, debt settlement may be something to consider.", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/the-bankruptcy-reform-act-of-2005-made-it-harder-for-individuals-to/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/2eb/jean-chatzky-15313_bankruptcy_the-bankruptcy-reform-act-of-2005-made-i_797735.jpg", "contentUrl": "https://sms4smile.com/quotes/i/2eb/jean-chatzky-15313_bankruptcy_the-bankruptcy-reform-act-of-2005-made-i_797735.jpg", "url": "https://sms4smile.com/quotes/i/2eb/jean-chatzky-15313_bankruptcy_the-bankruptcy-reform-act-of-2005-made-i_797735.jpg", "width": 1080, "height": 1080, "caption": "“The Bankruptcy Reform Act of 2005 made it harder for individuals to file bankruptcy, which is always the…” — Jean Chatzky", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } } }, { "@type": "ListItem", "position": 7, "item": { "@type": "Quotation", "text": "You settled a debt instead of paying in full will stay on your credit report for as long as the individual accounts are reported, which is typically seven years from the date that the account was settled. Unlike with bankruptcy, there isn't a separate line on your credit report dedicated to debt settlement, so each account settled will be listed as a charge-off.", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/you-settled-a-debt-instead-of-paying-in-full-will-stay-on-your-credit/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/d95/jean-chatzky-15313_accounts_you-settled-a-debt-instead-of-paying-in_2006679.png", "contentUrl": "https://sms4smile.com/quotes/i/d95/jean-chatzky-15313_accounts_you-settled-a-debt-instead-of-paying-in_2006679.png", "url": "https://sms4smile.com/quotes/i/d95/jean-chatzky-15313_accounts_you-settled-a-debt-instead-of-paying-in_2006679.png", "width": 1080, "height": 1080, "caption": "“You settled a debt instead of paying in full will stay on your credit report for as long as the individual…” — Jean Chatzky", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } } }, { "@type": "ListItem", "position": 8, "item": { "@type": "Quotation", "text": "Once the settlement is completed, the credit card company will report it to the credit bureaus, which will then make a notation on your credit report that that account was paid by settlement. That's going to signal to future lenders that you left the last guy hanging. That's why, as with bankruptcy, debt settlement is an extreme option, one you shouldn't take lightly. It's not just an easy, cheap way to eliminate debt.", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/once-the-settlement-is-completed-the-credit-card-company-will-report/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/94e/jean-chatzky-15313_accounts_once-the-settlement-is-completed-the-cre_1712785.jpg", "contentUrl": "https://sms4smile.com/quotes/i/94e/jean-chatzky-15313_accounts_once-the-settlement-is-completed-the-cre_1712785.jpg", "url": "https://sms4smile.com/quotes/i/94e/jean-chatzky-15313_accounts_once-the-settlement-is-completed-the-cre_1712785.jpg", "width": 1080, "height": 1080, "caption": "“Once the settlement is completed, the credit card company will report it to the credit bureaus, which will…” — Jean Chatzky", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } } }, { "@type": "ListItem", "position": 9, "item": { "@type": "Quotation", "text": "In most cases, if you've gotten to this point, you've already received a letter or phone message from your creditor with the name and extension of a representative. If you haven't, you can call the toll-free number on your bill, but keep in mind that the person who answers may not have the power to negotiate a settlement. Ask to speak to someone who is either a supervisor or in the settlement department, if the creditor has one (as many do).", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/in-most-cases-if-you-ve-gotten-to-this-point-you-ve-already-received/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/48c/jean-chatzky-15313_answers_in-most-cases-if-you-ve-gotten-to-this-p_2247569.png", "contentUrl": "https://sms4smile.com/quotes/i/48c/jean-chatzky-15313_answers_in-most-cases-if-you-ve-gotten-to-this-p_2247569.png", "url": "https://sms4smile.com/quotes/i/48c/jean-chatzky-15313_answers_in-most-cases-if-you-ve-gotten-to-this-p_2247569.png", "width": 1080, "height": 1080, "caption": "“In most cases, if you've gotten to this point, you've already received a letter or phone message from your…” — Jean Chatzky", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } } }, { "@type": "ListItem", "position": 10, "item": { "@type": "Quotation", "text": "The debt settlement company will direct you to stop paying your creditor and instead send the money directly to them each month. The company's goal is to demonstrate to your creditor that you don't have the money to pay up - that's your leverage. After a few months, the company will typically go to the creditor and say, \"I'm holding X dollars on behalf of your customer. He doesn't have the money to pay you, so you should take this amount as a settlement or you'll end up with nothing.\" If the creditor wants to get paid badly enough, it will take the money.", "creator": { "@type": "Person", "name": "Jean Chatzky" }, "url": "https://sms4smile.com/quotes/jean-chatzky/the-debt-settlement-company-will-direct-you-to-stop-paying-your/", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/f1d/jean-chatzky-15313_amount_the-debt-settlement-company-will-direct_3004308.png", "contentUrl": "https://sms4smile.com/quotes/i/f1d/jean-chatzky-15313_amount_the-debt-settlement-company-will-direct_3004308.png", "url": "https://sms4smile.com/quotes/i/f1d/jean-chatzky-15313_amount_the-debt-settlement-company-will-direct_3004308.png", "width": 1080, "height": 1080, "caption": "“The debt settlement company will direct you to stop paying your creditor and instead send the money directly…” — Jean Chatzky", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } } } ] }, { "@type": "CollectionPage", "@id": "https://sms4smile.com/quotes/about/settlement/jean-chatzky/#webpage", "url": "https://sms4smile.com/quotes/about/settlement/jean-chatzky/", "name": "Settlement Quotes by Jean Chatzky", "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "mainEntity": { "@id": "https://sms4smile.com/quotes/about/settlement/jean-chatzky/#itemlist" }, "primaryImageOfPage": { "@id": "https://sms4smile.com/quotes/i/e0e/jean-chatzky-15313_attorney_if-you-re-filing-bankruptcy-you-will-lik_3047853.png" }, "description": "10 Settlement quotes by Jean Chatzky. 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