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

Related FAQs

What is the best way to document a debt settlement?
Can creditors refuse to negotiate a debt settlement?
Is debt settlement a good way to reduce debt?
Do I need to hire a lawyer to negotiate a debt settlement?
Is there a statute of limitations on debt settlement?
When is it best to pursue debt settlement?
Who should I contact to settle my debt?
Are there any risks associated with using a debt settlement firm?
How do I protect my credit score during a debt settlement?
When can I start making payments on my debt settlement?

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