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I am successfully negotiated with the creditor to settle my debt for less amount. I want to have the creditor sign a settlement agreement with me that after receive the settlement money from me all the debt between us will be consider paid for and they cannot come back and try to collect from me at a later time or sue me or things of that nature.What should I be including in that letter to make it more like legal paper and enforcable in case something happen in the future (beside my name, creditor's name and date)? After I sign and the creditor sign, do we need to notary it?