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

Related FAQs

Can I negotiate a reduced settlement amount?
Can I settle a debt if I’m unemployed?
Are there any programs offering debt settlement help?
Can I negotiate a lower interest rate as part of a debt settlement?
What penalties or interest can creditors charge when settling debt?
Are there any drawbacks to settling a debt?
How will I know if a debt settlement offer is fair?
Can I negotiate a debt settlement on my own?
How do I report a debt settlement to the IRS?
What is a “hardship program” and how can it help with debt settlement?

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