Can I negotiate a debt settlement on my own?

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How do I know if a debt settlement company is reputable?
Should I be wary of any companies offering “instant” debt settlement?
How long will it take to settle a debt?
Can I negotiate a debt settlement over the phone?
Should I use a debt settlement company or negotiate directly with my creditors?
How much money can I save by settling a debt?
What happens if I can’t afford to settle the debt in full?
Can I negotiate a lower principal balance as part of a debt settlement?
Is debt settlement a good way to reduce debt?
What happens if I miss a payment on a debt settlement?

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