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

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How can I learn more about debt settlement laws in my state?
What if I can’t pay the full amount of a debt settlement?
What if the creditor refuses to settle the debt?
Can I negotiate a lower interest rate as part of a debt settlement?
What is the best way to document a debt settlement?
Are there any programs offering debt settlement help?
How do I know if a debt settlement company is legitimate?
Does debt settlement hurt my chances of obtaining new credit?
Can a debt settlement company guarantee a successful settlement?
What is a debt settlement plan and how does it work?

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