What is an unsecured debt and how does it impact debt settlement?

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What will happen to my credit score after a successful debt settlement?
What is an unsecured debt and how does it impact debt settlement?
Should I be wary of any companies offering “instant” debt settlement?
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Can I negotiate a lower principal balance as part of a debt settlement?
How long does it take to complete a debt settlement?
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How do I know if a debt settlement company is legitimate?
How long will it take to settle a debt?
What penalties or interest can creditors charge when settling debt?

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