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

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How will I know if a debt settlement offer is fair?
Are there any services that can help me with a debt settlement?
How can I make a debt settlement offer more attractive to creditors?
What is a lump-sum debt settlement and how does it work?
What are the guidelines for debt settlement under law?
Can a debt settlement company guarantee a successful settlement?
What is a deemed satisfaction and how does that apply to debt settlement?
How long will it take to settle a debt?
How do I know if I have been approved for a debt settlement?
What penalties or interest can creditors charge when settling debt?

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