What should I do if a creditor refuses to negotiate a debt settlement?

Related FAQs

What is the best way to negotiate a debt settlement?
Are there any programs offering debt settlement help?
How do I report a debt settlement to the IRS?
How can I monitor my progress during a debt settlement process?
Can I negotiate a debt settlement on my own?
Is debt settlement reported to credit bureaus?
Are there any tax consequences to debt settlement?
What is the difference between debt settlement and debt consolidation?
Is it possible to settle a debt for less than the amount owed?
Are there any costs associated with a successful debt settlement?

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