I would think that it meant you got a lawyer or did it this for youself and worked out a deal to pay down your debt and just your debt ,no interest.fines,in order to get rid of your bad credit rating or at least get rid of debt to prevent declaring bankruptcy,chapter 13,11, 7, so on and so on.so instead of being locked out of having any credti/credit card accounts/borrowing power for up to 7 years you would be able to pay your debt off and still have access to modified loans and reduced credit card totals.this is my story and I am sticking to it. : )
