What if the creditor refuses to settle the debt?

Related FAQs

What fees will I pay if I use a debt settlement company?
What is the difference between debt settlement and debt consolidation?
Is there any way to expedite the debt settlement process?
What are the risks of choosing to settle a debt?
Can a debt settlement company guarantee a successful settlement?
How quickly can I expect to see results from a debt settlement?
Should I be wary of any companies offering “instant” debt settlement?
How do I protect my credit score during a debt settlement?
Is debt settlement reported to credit bureaus?
Are there any costs associated with a successful debt settlement?

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