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

Related FAQs

How can I ensure I don’t fall behind on payments during the settlement process?
Can creditors refuse to negotiate a debt settlement?
Should I use a debt settlement company or negotiate directly with my creditors?
What are the guidelines for debt settlement under law?
What is the difference between debt settlement and debt management?
How long will it take to settle a debt?
Is there a minimum debt amount to qualify for debt settlement?
How can I monitor my progress during a debt settlement process?
Is debt settlement reported to credit bureaus?
What happens if a debt settlement is not completed on time?

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