What if the creditor refuses to settle the debt?

Related FAQs

What is a lump-sum debt settlement and how does it work?
Can I negotiate debt settlement with multiple creditors at once?
What are my rights and options when it comes to settling debt?
Is it possible to settle a debt for less than the amount owed?
How do I know if I have been approved for a debt settlement?
What will happen to my credit score after a successful debt settlement?
What happens if a debt settlement is not completed on time?
What is a deemed satisfaction and how does that apply to debt settlement?
What should I do if I can’t agree on a settlement amount?
What happens if I miss a payment on a debt settlement?

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