Is it possible to settle a debt for less than the amount owed?

Related FAQs

Should I use a debt settlement company or negotiate directly with my creditors?
What is the best way to document a debt settlement?
Is debt settlement better than bankruptcy?
What should I do if a creditor refuses to negotiate a debt settlement?
What if the creditor refuses to settle the debt?
Can I negotiate a debt settlement on my own?
Are there any tax consequences to debt settlement?
How does a creditor determine if a debt should be settled?
Can I negotiate a debt settlement over the phone?
Is debt settlement reported to credit bureaus?

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