Who is it best to offer a settlement on my debt?

Tips and Deals Forums Debt Management Debt Management Who is it best to offer a settlement on my debt?

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    I am soon to come upon a LITTLE amount of money and would like to clear my debt. Almost all has been owned by debt collectors for a while (I have a recent copy of all my credit reports and know who owns my debt).

    My question is…who would most likely settle for less in a debt settlement and/or be willing to settle, the original creditor or the collection agency whom owns the debt now? Follow up question…no matter whom I settle with, does it go all the way up the food chain showing on my credit report that the debt is paid in full with the original creditor and eliminate any and all collection agencies (or at least showing that they are paid in full as well)?

    Thanks in advance. 🙂

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