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

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What is the best way to document a debt settlement?
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What is the difference between debt settlement and debt management?
How does debt settlement impact my credit score?
Can a creditor challenge a debt settlement?
What happens if I can’t afford to settle the debt in full?
What is debt settlement law?
What is a lump-sum debt settlement and how does it work?
Are there any ways to avoid paying for a debt settlement service?
Can I negotiate a debt settlement without the help of an attorney?

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