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

Related FAQs

What is the average time frame for debt settlement negotiations?
How do I find out the balance of my debt?
Can a creditor challenge a debt settlement?
Can I negotiate a debt settlement over the phone?
Are there any legal requirements to debt settlement?
Who should I contact to settle my debt?
What is the best way to negotiate a debt settlement?
Are there any laws governing debt settlement?
How can I make a debt settlement offer more attractive to creditors?
What are the potential consequences of a failed debt settlement?

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