If you have outstanding taxes, it is possible to settle you tax debts for less than the full amount owing by filing a consumer proposal with a licensed trustee in bankruptcy. (moneyproblems.ca)
Debt collection accounts can be disputed on a debt validation program or settled for less than the full amount owed with debt settlement services. (goldenfs.org)
Many people ask why a creditor would agree to allow you to pay less than the full amount of what you owe. (bankruptcy-kitchener.com)