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

Related FAQs

What will happen to my credit score after a successful debt settlement?
Is there a minimum debt amount to qualify for debt settlement?
What is the process for appealing a denied debt settlement?
What are my rights and options when it comes to settling debt?
What is the difference between debt negotiation and debt settlement?
Can I negotiate multiple debts at once during the settlement process?
Is debt settlement better than bankruptcy?
How do I report a debt settlement to the IRS?
Can I negotiate a debt settlement over the phone?
Are there any alternatives to debt settlement?

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