When can I start making payments on my debt settlement?

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What is the average time frame for debt settlement negotiations?
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What is the difference between debt negotiation and debt settlement?
What fees are associated with debt settlement?
What should I do if I can’t agree on a settlement amount?
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What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
How long does it take to complete a debt settlement?
Can creditors refuse to negotiate a debt settlement?
Are there any legal requirements to debt settlement?

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