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

Related FAQs

Are there any discounts available for debt settlement?
Are there any ways to avoid paying for a debt settlement service?
Can I negotiate a reduced settlement amount?
Does debt settlement hurt my chances of obtaining new credit?
What is the difference between debt settlement and debt consolidation?
When is it best to pursue debt settlement?
How do I stop debt collection calls during the settlement process?
What is the best way to negotiate a debt settlement?
How does debt settlement impact my credit score?
What penalties or interest can creditors charge when settling debt?

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