How quickly can I expect to see results from a debt settlement?

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Are there any costs associated with a successful debt settlement?
How do I make sure I receive a fair settlement from my creditors?
Who should I contact to settle my debt?
Can I negotiate a lower principal balance as part of a debt settlement?
Can I negotiate more than one debt settlement at once?
What is the average time frame for debt settlement negotiations?
What is debt settlement law?

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