Can I negotiate a debt settlement without the help of an attorney?

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Can I negotiate a debt settlement over the phone?
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What is the best way to document a debt settlement?
Is debt settlement better than bankruptcy?
What is debt settlement law?
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How do I know if debt settlement is right for me?
Can I negotiate a debt settlement on my own?
Do I need to hire a lawyer to negotiate a debt settlement?
Can I negotiate a debt settlement without a debt settlement company?

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