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

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How does debt settlement impact my credit score?
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Can I be sued while in the process of settling a debt?
What should I look for in a good debt settlement company?
How do I make sure I receive a fair settlement from my creditors?
How quickly can I expect to see results from a debt settlement?
How do I know if debt settlement is right for me?
How can I ensure I don’t fall behind on payments during the settlement process?
How do I protect my credit score during a debt settlement?
How do I know if a debt settlement company is reputable?

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