Can a creditor challenge a debt settlement?

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Are there any risks associated with using a debt settlement firm?
Can I negotiate a debt settlement without a debt settlement company?
How do I know if debt settlement is right for me?
What are the guidelines for debt settlement under law?
How do I know if I have been approved for a debt settlement?
What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
How much should I expect to pay for a debt settlement service?
Can I settle a debt if I’m unemployed?
Can a debt settlement company guarantee a successful settlement?
What is the difference between debt negotiation and debt settlement?

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