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

Related FAQs

Are there any laws governing debt settlement?
Are there any drawbacks to settling a debt?
How much should I expect to pay for a debt settlement service?
What is a “hardship program” and how can it help with debt settlement?
Is there a statute of limitations on debt settlement?
Are there any alternatives to debt settlement?
What is an unsecured debt and how does it impact debt settlement?
Do I have to pay taxes on debt settled through negotiations?
Are there any tax implications of debt settlement?
Are there any tax consequences to debt settlement?

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