Should I use a debt settlement company or negotiate directly with my creditors?

Related FAQs

Can a creditor challenge a debt settlement?
How does a creditor determine if a debt should be settled?
Does debt settlement hurt my chances of obtaining new credit?
What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
What if the creditor refuses to settle the debt?
What happens to the debt that’s been settled?
What are the guidelines for debt settlement under law?
How do I know if I have been approved for a debt settlement?
What should I do if a creditor refuses to negotiate a debt settlement?
Is debt settlement a good way to reduce debt?

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