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

Related FAQs

Is there a minimum debt amount to qualify for debt settlement?
Who should I contact to settle my debt?
What are my rights and options when it comes to settling debt?
Do I need to hire a lawyer to negotiate a debt settlement?
Can I negotiate a reduced settlement amount?
How long does it take to complete a debt settlement?
What are the potential consequences of a failed debt settlement?
Can creditors refuse to negotiate a debt settlement?
Can a debt settlement company guarantee a successful settlement?
What penalties or interest can creditors charge when settling debt?

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