What if the creditor refuses to settle the debt?

Related FAQs

Can I negotiate a reduced settlement amount?
Are there any legal requirements to debt settlement?
What is the best way to document a debt settlement?
Is there a minimum debt amount to qualify for debt settlement?
Are there any ways to avoid paying for a debt settlement service?
Can I negotiate a debt settlement without a debt settlement company?
How quickly can I expect to see results from a debt settlement?
What fees are associated with debt settlement?
How much money can I save by settling a debt?
Is there any way to expedite the debt settlement process?

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