How does a creditor determine if a debt should be settled?

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What is the average debt settlement amount?
Does debt settlement hurt my chances of obtaining new credit?
Can I negotiate a debt settlement without the help of an attorney?
What are the guidelines for debt settlement under law?
How does a creditor determine if a debt should be settled?
How much money can I save by settling a debt?
How does debt settlement impact my credit score?
Is debt settlement a good way to reduce debt?
Can I negotiate a lower interest rate as part of a debt settlement?
Are there any laws governing debt settlement?

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