What if the creditor refuses to settle the debt?

Related FAQs

Can I settle a debt if I’m unemployed?
Can I negotiate more than one debt settlement at once?
What happens if I miss a payment on a debt settlement?
How do I stop debt collection calls during the settlement process?
How do I know if I have been approved for a debt settlement?
What are my rights and options when it comes to settling debt?
Can a creditor challenge a debt settlement?
Is debt settlement better than bankruptcy?
What should I do if I can’t agree on a settlement amount?
What is an unsecured debt and how does it impact debt settlement?

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