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

Related FAQs

What should I do if a creditor refuses to delete negative credit items as part of a debt settlement agreement?
Are there any costs associated with a successful debt settlement?
Are there any programs offering debt settlement help?
What is a deemed satisfaction and how does that apply to debt settlement?
How can I ensure I don’t fall behind on payments during the settlement process?
How quickly can I expect to see results from a debt settlement?
Are there any discounts available for debt settlement?
What documents do I need to provide during a debt settlement process?
Are there any tax consequences to debt settlement?
Is there any way to expedite the debt settlement process?

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