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?
What penalties or interest can creditors charge when settling debt?
How do I protect my credit score during a debt settlement?
What if the creditor refuses to settle the debt?
When can I start making payments on my debt settlement?
How does a creditor determine if a debt should be settled?
Are there any alternatives to debt settlement?
What is the difference between debt settlement and debt consolidation?
What are the potential consequences of a failed debt settlement?
What is the average time frame for debt settlement negotiations?

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