What if the creditor refuses to settle the debt?

Related FAQs

Should I use a debt settlement company or negotiate directly with my creditors?
Can I be sued while in the process of settling a debt?
What is the average debt settlement amount?
What should I look for in a good debt settlement company?
Can I negotiate a lower principal balance as part of a debt settlement?
Can I negotiate debt settlement with multiple creditors at once?
Can I negotiate more than one debt settlement at once?
What is a debt settlement plan and how does it work?
How can I ensure I don’t fall behind on payments during the settlement process?
How do I know if debt settlement is right for me?

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