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

Related FAQs

Are there any programs offering debt settlement help?
Is debt settlement reported to credit bureaus?
What happens if I can’t afford to settle the debt in full?
What is a lump-sum debt settlement and how does it work?
What are the guidelines for debt settlement under law?
What fees will I pay if I use a debt settlement company?
How will I know if the debt settlement negotiations are successful?
How will I know if a debt settlement offer is fair?
How do I stop debt collection calls during the settlement process?
What will happen to my credit score after a successful debt settlement?

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