One of the biggest challenges borrowers face in negotiating a debt settlement is finding the money to fund the settlement. If you are struggling to pay your bills, you probably don’t have a ton of cash sitting around. One of the most popular options is asking loved ones for a loan that you will pay back after the settlement is complete. If you have valuable property, such as a car or a boat, you could sell the property to cover the settlement payment. If you own your home, you could secure funds for a settlement using a home equity line of credit, or you could sell your home and buy a less expensive home, using the proceeds from the sale to settle your debts. You could liquidate your retirement account, though you may have to pay taxes or penalties for an early withdrawal. You could also set aside money from your paycheck each month, although this option may take a great deal of time. These are merely some of the possible sources you can use to fund a debt settlement. It is important to speak to an attorney before deciding which option to choose.