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El reconocimiento de deuda como mejor opción para evitar el proceso monitorio por la deuda en prestamos personales. Una Oferta de Compromiso es un acuerdo entre el contribuyente y el IRS para pagar menos del monto total adeudado.Si no puede pagar todas sus cuentas al tiempo, usted tiene que decidir qué cuentas debe pagar primero. Esto le ordena que venga a corte y conteste preguntas sobre su situación financiera. Amortización: reducción gradual y sistemática de una deuda a través de pagos periódicos que incluyen tanto el capital como el interés. Una declaración escrita que dice que el acreedor cree que usted debe una cantidad especÃfica de dinero. El contribuyente tiene el derecho de solicitar una Oferta y Compromiso para liquidar su deuda. Carta de acuerdo para el pago de la deuda — Los acuerdos de préstamo y los pagarés son tipos de contratos muy similares.