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1. Security: Details of any security or collateral provided for the debt - include when there are secured obligations

2. Multiple Creditors: Provisions for coordination between multiple creditors - include when there is more than one creditor

3. Confidentiality: Confidentiality obligations - include when settlement terms should remain private

4. Tax Provisions: Treatment of tax implications - include when settlement has significant tax consequences

5. Release: Mutual release of claims upon completion - include when broader release of claims is needed

6. Assignment: Rights to assign the agreement - include when assignment rights are important to parties

7. Force Majeure: Provisions for unforeseen circumstances - include when long-term payment arrangements are involved

1. Schedule 1 - Debt Details: Detailed breakdown of the original debt, interest, and other charges

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

3. Schedule 3 - Security Details: Details of any security or collateral (if applicable)

4. Appendix A - Original Debt Documentation: Copies of original loan agreements or debt documents

5. Appendix B - Payment History: Record of previous payments and remaining balance

6. Appendix C - Communication Records: Key correspondence regarding the settlement negotiations