When can I start making payments on my debt settlement?

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Should I be wary of any companies offering “instant” debt settlement?
Are there any laws governing debt settlement?
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How can I ensure I don’t fall behind on payments during the settlement process?
What is the best way to document a debt settlement?
Can I negotiate a debt settlement without the help of an attorney?
What happens if a debt settlement is not completed on time?
Can a creditor challenge a debt settlement?
Are there any ways to avoid paying for a debt settlement service?
Should I use a debt settlement company or negotiate directly with my creditors?

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