This debt settlement agreement consists of a person a(n) (the “creditor”) and a person a (n) (the “debtor”). If, for any reason, one or more of the provisions contained in this Agreement are held to be invalid, illegal or, in any way, unenforceable, such invalidity, illegality or non-application shall not affect other provisions of this Agreement, but this Agreement shall be construed as if there had never been such invalid provisions, illegal or unenforceable, unless the deletion of these provisions would entail such a substantial modification which would have the effect of rendering unreasonable the conclusion of the transactions provided for in this Agreement. No modification of this Agreement shall be effective unless it is signed in writing and by a party or its authorized representative. The parties wish to settle the dispute between themselves and settle the subject matter of the dispute and any claims that may be invoked in this matter, neither party admitting liability to the other party, with the exception of the obligations arising from this Convention. If you put yourself in debt, sending a debt settlement letter to creditors can work to reduce your debt, as is the case for many people who want to eliminate debt. See what you can do to get your finances and life back on track. This Agreement shall take effect when all the Parties have signed it. The date on which this Agreement was signed by the last Party (as indicated by the date of signature of that Party) shall be deemed to be the date of this Agreement. This Agreement shall constitute the final agreement of the Parties.