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

Related FAQs

Is debt settlement a better solution than bankruptcy?
Can I negotiate more than one debt settlement at once?
Can I negotiate a lower principal balance as part of a debt settlement?
Are there any costs associated with a successful debt settlement?
What happens if I miss a payment on a debt settlement?
How can I learn more about debt settlement laws in my state?
When can I start making payments on my debt settlement?
Are there any ways to avoid paying for a debt settlement service?
How do I stop debt collection calls during the settlement process?
What are the potential consequences of a failed debt settlement?

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