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

Related FAQs

What is a “hardship program” and how can it help with debt settlement?
Are there any alternatives to debt settlement?
How do I make sure I receive a fair settlement from my creditors?
Do I have to pay taxes on debt settled through negotiations?
How can I monitor my progress during a debt settlement process?
Is it possible to settle a debt for less than the amount owed?
Are there any programs offering debt settlement help?
Can I negotiate multiple debts at once during the settlement process?
Can I be sued while in the process of settling a debt?
Should I be wary of any companies offering “instant” debt settlement?

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