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

Related FAQs

How do I make sure I receive a fair settlement from my creditors?
Are there any laws governing debt settlement?
Are there any programs offering debt settlement help?
Can I negotiate debt settlement with multiple creditors at once?
What is the difference between debt settlement and debt management?
What fees will I pay if I use a debt settlement company?
Are there any alternatives to debt settlement?
Are there any risks associated with using a debt settlement firm?
Can I settle a debt if I’m unemployed?
Can I negotiate a debt settlement without the help of an attorney?

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