1. A creditor claims that a debtor owes him $10,000. The debtor disputes this claim. The debtor offers the creditor $9,000 in full settlement of the claim. The creditor accepts. (2 points)
2. Three creditors are each owed $20,000 by a debtor. The three creditors enter into an agreement with the debtor to keep the debtor out of bankruptcy. Each creditor agrees to take $10,000 in full settlement of the debt. (2 points)

what is each agreement called?