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

Related FAQs

Are there any alternatives to debt settlement?
Can I negotiate a reduced settlement amount?
Is debt settlement a better solution than bankruptcy?
What happens if I can’t afford to settle the debt in full?
What is a debt settlement plan and how does it work?
What is the average debt settlement amount?
What are the guidelines for debt settlement under law?
Do I need to hire a lawyer to negotiate a debt settlement?
Can a creditor challenge a debt settlement?
Can creditors refuse to negotiate a debt settlement?

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