Full and Final Settlement

If you’re struggling with debt, a Full and Final Settlement may be the right option for you. At Credit Fixx, we specialise in assisting individuals like you in finding practical and customised approaches to debt resolution. Before proceeding with this option, it’s essential to assess your financial situation thoroughly, understand the terms of the settlement, and explore alternative options. Remember that resolving debt is a significant financial decision that can have long-term consequences, so approach it thoughtfully and responsibly. 

What is a Full and Final Settlement?

A Full and Final settlement is a financial arrangement where we can negotiate an agreement with your creditors to settle your debts by offering a reduced lump sum, instead of paying the entire outstanding amount.

In many instances, we can pause the accrual of interest and your debt repayments for a specific duration, enabling you to accumulate the necessary funds for settling with your creditors.

This approach is also a viable solution if you’ve come into a windfall or if a friend or family member is willing to contribute the lump sum.

How Does it Work?

When opting for a Full and Final settlement, the skilled experts at Credit Fixx will collaborate closely with you to evaluate your complete financial situation and create a customised strategy. Subsequently, we will initiate discussions with your creditors on your behalf, seeking their approval for the adjusted terms.

Is An Informal Agreement Right For You?

While a Full and Final settlement offers many advantages, it may not align with everyone’s financial circumstances. At Credit Fixx, our committed experts will conduct a detailed evaluation of your financial situation and explore all viable alternatives. We aim to deliver comprehensive guidance, ensuring you gain a clear understanding of the advantages and potential consequences before you decide.


Contact Credit Fixx today to schedule a consultation and take the first step towards a brighter financial future. Let us help you regain control of your finances and embark on a journey towards debt freedom.

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