Summarize the following:
The best way to settle a debt is to offer the creditor a lump sum payment. They will be tempted to take available cash now rather than come up with a new debt repayment plan that you might stop paying. Accordingly, you should contribute monthly into a savings account to build up a lump sum.  If you’d prefer to make monthly payments, then you should consider something other than debt settlement. Alternately, if you can’t save any money each month, then seriously consider filing for bankruptcy. Probably the only way to build up a lump sum is to stop paying your unsecured creditors. Remember, they can call you and sue you for breach of contract once you stop paying. Your credit score will also take a hit. . You’ll want to start the negotiation process by drafting a letter with your opening offer to settle the debt. Each creditor should get its own letter, and tailor the letter by including your account information.  Explain why you can’t pay the debt. Provide information about your monthly income and any adversity you have faced, such as job loss or health issues. Clearly state how much you are offering to settle the debt. Start low. For example, you could offer to pay 30% of the value. Mention you might be forced into bankruptcy if they don’t accept. Bankruptcy is your trump card. Your unsecured creditors will probably get completely wiped out if you file for bankruptcy, so they have an incentive to settle with you.  Include a request that they report the loan as “paid in full” to the credit reporting agencies. Also ask that all other negative information be removed.  Send the letter certified mail, return receipt requested. Your creditor will respond, either in writing or by calling. If they call, ask them to send any counter-offer in writing. It’s very easy for creditors to deny they ever promised anything orally, so always have a paper trail. Once you receive your counter-offer, analyze whether you think it is acceptable.  If the creditor won’t put a counter-offer in writing, then take very careful notes. Write down the name of who you spoke to, their job title, and the date and time of your call.  If the creditor rejects any attempt to settle the debt, you can raise the amount you are willing to pay. Put this information in a second letter. You also might decide to stop negotiating with a creditor. For example, a couple of your creditors might have agreed to settle your accounts. This should free up money you can contribute to your other debts. You might consider a debt management plan or debt consolidation for your remaining debts. Get your agreement to settle the debt in writing. Do not accept verbal promises. Instead, insist on a settlement agreement letter and read it thoroughly before signing. You want the agreement to state you are forgiven for the original amount of the loan.  If you need help understanding the agreement, then meet with a lawyer to review it together. There are many low-cost legal options for people without much money. Always keep a copy of the signed letter for your records. Confirm that debt has been accurately reported as settled. You don’t want accounts indefinitely listed as in default or in collections. If you see an error, contact a credit reporting agency to dispute the item. The account should ideally be listed as “paid in full.”

summary: Save up a lump sum. Send a debt negotiation letter Negotiate back and forth. Obtain a debt settlement letter. Check your credit report.


Summarize the following:
Find where the raster effect is listed and double click it to make alterations. You can also click on the effect and click the delete button.

summary: Click the Effects menu in the top horizontal toolbar, after you have selected your objects. Select "Rasterize" from the Effects options. Select the Rasterization options, exactly as you would if you were permanently rasterizing an object. Go to the Appearance panel to modify or delete the effect. Save your changes to record the Illustrator rasterization or raster effect.


Summarize the following:
The police can arrest someone during a traffic stop when: the police officer personally saw the person commit a crime or the police officer has probable cause to arrest. When a police officer has a “reasonable belief, based on facts and circumstances, that a person has committed or is about to commit a crime, the officer may arrest that person.”  For example, if you're driving a car erratically and breaking traffic laws, the police officer may administer a breathalyzer test. If he determines that you have been drinking, the officer may arrest you. Or if the officer sees drugs in your car when he pulls you over, he will have probable cause to arrest you. Confirm that you are being arrested. Ask them if you are free to go. If they say no, then ask them what you are being arrested for. After this, you want to stop talking. If you are arrested, the police can do the following things simply because they have arrested you:  Search your body and clothing. Search your belongings. Search your vehicle if you were in it at the time they stopped you. Ask you to perform a test, such as a field sobriety test. Ask you questions. Note that you do not have to answer and you have the right to remain silent. If this happens to you, stay calm and cooperate with the police officer the best you can. Police are required to read you what are known as your “Miranda rights” before they question you after an arrest. This informs you of your right to remain silent when you are being questioned, if not anything you say “can and will be used against you.” The police cannot threaten you or force you in any other way to talk to them or give them any sort of statement. If this happens to you, tell your attorney immediately.  If the police start to ask you a lot of questions and you believe that you will be arrested (you will probably have a pretty good idea), it is best to stop talking. If you are going to be arrested - zip it. Anything you say before you have been arrested can be used against you. If police interrogate you without giving you the Miranda warning, the statements you make cannot be used as evidence against you at trial. Be aware that the police will ask you over and over again if you would like to talk to them even after you have been Mirandized. The police are allowed to trick you into talking. They are not required to be honest with you even after you have been Mirandized.
summary: Know when you can be arrested. Know what the police are permitted to do during and after an arrest. Understand your rights.