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- Debt payoff refers to the amount you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt1. Your payoff amount is different from your current balance, which might not reflect how much you actually have to pay to completely satisfy the loan1. Debt management typically involves working with an accredited counseling agency to pay off your debt at reduced interest rates or with waived fees2. Bankruptcy involves either erasing most unsecured debt or being placed on a court-approved repayment plan for three to five years2.Learn more:✕This summary was generated using AI based on multiple online sources. To view the original source information, use the "Learn more" links.Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance. Your current balance might not reflect how much you actually have to pay to completely satisfy the loan.www.consumerfinance.gov/ask-cfpb/what-is-a-pay…Debt management typically involves working with an accredited counseling agency to pay off your debt at reduced interest rates or with waived fees. Bankruptcy — Chapter 7 and Chapter 13 are the two most common forms — involves either erasing most unsecured debt or being placed on a court-approved repayment plan for three to five years.www.nerdwallet.com/article/finance/pay-off-debt
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