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

Related FAQs

Are there any alternatives to debt settlement?
Is debt settlement better than bankruptcy?
How will I know if the debt settlement negotiations are successful?
What are the risks of choosing to settle a debt?
How do I protect my credit score during a debt settlement?
Can I negotiate a debt settlement on my own?
Can I negotiate a debt settlement without the help of an attorney?
What is the process for appealing a denied debt settlement?
Does debt settlement hurt my chances of obtaining new credit?
What are my rights and options when it comes to settling debt?

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