What if the creditor refuses to settle the debt?

Related FAQs

What happens if I can’t afford to settle the debt in full?
What are the guidelines for debt settlement under law?
How do I know if a debt settlement company is reputable?
When can I start making payments on my debt settlement?
Is debt settlement reported to credit bureaus?
Can I negotiate a lower principal balance as part of a debt settlement?
Can I negotiate a debt settlement without the help of an attorney?
How do I know if debt settlement is right for me?
What is the difference between debt negotiation and debt settlement?
Can I be sued while in the process of settling a debt?

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