What is the best way to document a debt settlement?

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Can I negotiate a debt settlement without a debt settlement company?
How can I learn more about debt settlement laws in my state?
Are there any potential risks if I choose not to settle my debts?
Should I be wary of any companies offering “instant” debt settlement?
How quickly can I expect to see results from a debt settlement?
What is debt settlement law?
Are there any services that can help me with a debt settlement?
Is there any way to expedite the debt settlement process?
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