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1. Multiple Card Settlement: Include when the settlement covers multiple credit card accounts from the same issuer

2. Guarantor Provisions: Include when there is a third-party guarantor for the settlement payments

3. Credit Reporting: Include specific terms about how the settlement will be reported to credit bureaus

4. Insurance: Include when payment protection insurance or similar coverage is part of the settlement

5. Special Payment Arrangements: Include when there are unique payment arrangements like post-dated checks or automatic deductions

6. Tax Implications: Include when there are significant tax consequences of the debt forgiveness that need to be addressed

7. Dispute Resolution: Include detailed arbitration or mediation procedures if required by either party

1. Schedule A - Debt Summary: Detailed breakdown of the original debt, including principal, interest, fees, and charges

2. Schedule B - Payment Schedule: Detailed payment schedule showing dates, amounts, and payment methods

3. Schedule C - Settlement Calculations: Breakdown of how the settlement amount was calculated, including any discounts or waivers

4. Schedule D - Required Documents: List of supporting documents provided by both parties

5. Appendix 1 - Credit Card Statements: Copies of relevant credit card statements showing the debt

6. Appendix 2 - Authorization Letters: Any required authorization letters or powers of attorney